id	sid	tid	token	lemma	pos
fsr-3705	1	1	pii	pii	PROPN
fsr-3705	1	2	:	:	PUNCT
fsr-3705	1	3	1057	1057	NUM
fsr-3705	1	4	-	-	PUNCT
fsr-3705	1	5	0810(92)90014	0810(92)90014	NUM
fsr-3705	1	6	-	-	PUNCT
fsr-3705	1	7	4	4	NUM
fsr-3705	1	8	financial	financial	ADJ
fsr-3705	1	9	services	service	NOUN
fsr-3705	1	10	review	review	NOUN
fsr-3705	1	11	,	,	PUNCT
fsr-3705	1	12	2(l	2(l	NUM
fsr-3705	1	13	):	):	PUNCT
fsr-3705	1	14	41	41	NUM
fsr-3705	1	15	-	-	SYM
fsr-3705	1	16	49	49	NUM
fsr-3705	1	17	copyri&t	copyri&t	PROPN
fsr-3705	1	18	0	0	NUM
fsr-3705	1	19	1993	1993	NUM
fsr-3705	1	20	by	by	ADP
fsr-3705	1	21	jai	jai	PROPN
fsr-3705	1	22	press	press	PROPN
fsr-3705	1	23	inc	inc	PROPN
fsr-3705	1	24	.	.	PROPN
fsr-3705	1	25	issn	issn	PROPN
fsr-3705	1	26	:	:	PUNCT
fsr-3705	1	27	1057	1057	NUM
fsr-3705	1	28	-	-	SYM
fsr-3705	1	29	0810	0810	NUM
fsr-3705	1	30	all	all	DET
fsr-3705	1	31	rights	right	NOUN
fsr-3705	1	32	of	of	ADP
fsr-3705	1	33	reproduction	reproduction	NOUN
fsr-3705	1	34	in	in	ADP
fsr-3705	1	35	any	any	DET
fsr-3705	1	36	form	form	NOUN
fsr-3705	1	37	reserved	reserve	VERB
fsr-3705	1	38	.	.	PUNCT
fsr-3705	2	1	long	long	ADJ
fsr-3705	2	2	-	-	PUNCT
fsr-3705	2	3	run	run	NOUN
fsr-3705	2	4	returns	return	NOUN
fsr-3705	2	5	on	on	ADP
fsr-3705	2	6	stock	stock	NOUN
fsr-3705	2	7	and	and	CCONJ
fsr-3705	2	8	bond	bond	NOUN
fsr-3705	2	9	portfolios	portfolio	NOUN
fsr-3705	2	10	:	:	PUNCT
fsr-3705	2	11	implications	implication	NOUN
fsr-3705	2	12	for	for	ADP
fsr-3705	2	13	retirement	retirement	NOUN
fsr-3705	2	14	planning	planning	PROPN
fsr-3705	2	15	kirt	kirt	PROPN
fsr-3705	2	16	c.	c.	PROPN
fsr-3705	2	17	butler	butler	PROPN
fsr-3705	2	18	dale	dale	PROPN
fsr-3705	2	19	l.	l.	PROPN
fsr-3705	2	20	domian	domian	PROPN
fsr-3705	2	21	this	this	DET
fsr-3705	2	22	paper	paper	NOUN
fsr-3705	2	23	presents	present	VERB
fsr-3705	2	24	asset	asset	NOUN
fsr-3705	2	25	returns	return	NOUN
fsr-3705	2	26	over	over	ADP
fsr-3705	2	27	long	long	ADJ
fsr-3705	2	28	aping	ape	VERB
fsr-3705	2	29	periods	period	NOUN
fsr-3705	2	30	in	in	ADP
fsr-3705	2	31	a	a	DET
fsr-3705	2	32	form	form	NOUN
fsr-3705	2	33	useful	useful	ADJ
fsr-3705	2	34	for	for	ADP
fsr-3705	2	35	retirement	retirement	NOUN
fsr-3705	2	36	planning	planning	NOUN
fsr-3705	2	37	.	.	PUNCT
fsr-3705	3	1	time	time	PROPN
fsr-3705	3	2	diversi	diversi	NOUN
fsr-3705	3	3	~	~	SYM
fsr-3705	3	4	cat	cat	X
fsr-3705	3	5	~	~	SYM
fsr-3705	3	6	n	n	CCONJ
fsr-3705	3	7	,	,	PUNCT
fsr-3705	3	8	heretofore	heretofore	ADV
fsr-3705	3	9	analyzed	analyze	VERB
fsr-3705	3	10	for	for	ADP
fsr-3705	3	11	lump	lump	NOUN
fsr-3705	3	12	-	-	PUNCT
fsr-3705	3	13	sum	sum	NOUN
fsr-3705	3	14	investments	investment	NOUN
fsr-3705	3	15	,	,	PUNCT
fsr-3705	3	16	still	still	ADV
fsr-3705	3	17	serves	serve	VERB
fsr-3705	3	18	to	to	PART
fsr-3705	3	19	reduce	reduce	VERB
fsr-3705	3	20	the	the	DET
fsr-3705	3	21	risk	risk	NOUN
fsr-3705	3	22	of	of	ADP
fsr-3705	3	23	stock	stock	NOUN
fsr-3705	3	24	investments	investment	NOUN
fsr-3705	3	25	whenfunds	whenfund	NOUN
fsr-3705	3	26	are	be	AUX
fsr-3705	3	27	accumulatedmonth	accumulatedmonth	ADJ
fsr-3705	3	28	by	by	ADP
fsr-3705	3	29	month	month	NOUN
fsr-3705	3	30	,	,	PUNCT
fsr-3705	3	31	we	we	PRON
fsr-3705	3	32	consider	consider	VERB
fsr-3705	3	33	investments	investment	NOUN
fsr-3705	3	34	in	in	ADP
fsr-3705	3	35	five	five	NUM
fsr-3705	3	36	stock	stock	NOUN
fsr-3705	3	37	and	and	CCONJ
fsr-3705	3	38	bond	bond	NOUN
fsr-3705	3	39	asset	asset	NOUN
fsr-3705	3	40	classes	class	NOUN
fsr-3705	3	41	as	as	ADV
fsr-3705	3	42	well	well	ADV
fsr-3705	3	43	as	as	ADP
fsr-3705	3	44	various	various	ADJ
fsr-3705	3	45	asset	asset	NOUN
fsr-3705	3	46	allocation	allocation	NOUN
fsr-3705	3	47	strategies	strategy	NOUN
fsr-3705	3	48	.	.	PUNCT
fsr-3705	4	1	probability	probability	NOUN
fsr-3705	4	2	distributions	distribution	NOUN
fsr-3705	4	3	are	be	AUX
fsr-3705	4	4	computed	compute	VERB
fsr-3705	4	5	for	for	ADP
fsr-3705	4	6	retirement	retirement	NOUN
fsr-3705	4	7	wealth	wealth	NOUN
fsr-3705	4	8	over	over	ADP
fsr-3705	4	9	a	a	DET
fsr-3705	4	10	range	range	NOUN
fsr-3705	4	11	of	of	ADP
fsr-3705	4	12	investment	investment	NOUN
fsr-3705	4	13	horizons	horizon	NOUN
fsr-3705	4	14	.	.	PUNCT
fsr-3705	5	1	1	1	X
fsr-3705	5	2	.	.	X
fsr-3705	6	1	i	i	PRON
fsr-3705	6	2	~	~	PUNCT
fsr-3705	6	3	roruc	roruc	X
fsr-3705	6	4	~	~	PUNCT
fsr-3705	6	5	on	on	ADP
fsr-3705	6	6	time	time	NOUN
fsr-3705	6	7	diversification	diversification	NOUN
fsr-3705	6	8	plays	play	VERB
fsr-3705	6	9	a	a	DET
fsr-3705	6	10	key	key	ADJ
fsr-3705	6	11	role	role	NOUN
fsr-3705	6	12	in	in	ADP
fsr-3705	6	13	retirement	retirement	NOUN
fsr-3705	6	14	planning	planning	NOUN
fsr-3705	6	15	decisions	decision	NOUN
fsr-3705	6	16	.	.	PUNCT
fsr-3705	7	1	because	because	SCONJ
fsr-3705	7	2	of	of	ADP
fsr-3705	7	3	time	time	NOUN
fsr-3705	7	4	diversification	diversification	NOUN
fsr-3705	7	5	,	,	PUNCT
fsr-3705	7	6	the	the	DET
fsr-3705	7	7	risk	risk	NOUN
fsr-3705	7	8	of	of	ADP
fsr-3705	7	9	meeting	meet	VERB
fsr-3705	7	10	a	a	DET
fsr-3705	7	11	particular	particular	ADJ
fsr-3705	7	12	wealth	wealth	NOUN
fsr-3705	7	13	objective	objective	NOUN
fsr-3705	7	14	is	be	AUX
fsr-3705	7	15	reduced	reduce	VERB
fsr-3705	7	16	when	when	SCONJ
fsr-3705	7	17	risky	risky	ADJ
fsr-3705	7	18	assets	asset	NOUN
fsr-3705	7	19	with	with	ADP
fsr-3705	7	20	high	high	ADJ
fsr-3705	7	21	expected	expect	VERB
fsr-3705	7	22	returns	return	NOUN
fsr-3705	7	23	are	be	AUX
fsr-3705	7	24	held	hold	VERB
fsr-3705	7	25	over	over	ADP
fsr-3705	7	26	long	long	ADJ
fsr-3705	7	27	periods	period	NOUN
fsr-3705	7	28	of	of	ADP
fsr-3705	7	29	time	time	NOUN
fsr-3705	7	30	.	.	PUNCT
fsr-3705	8	1	individuals	individual	NOUN
fsr-3705	8	2	face	face	VERB
fsr-3705	8	3	investment	investment	NOUN
fsr-3705	8	4	accumulation	accumulation	NOUN
fsr-3705	8	5	periods	period	NOUN
fsr-3705	8	6	of	of	ADP
fsr-3705	8	7	up	up	ADP
fsr-3705	8	8	to	to	PART
fsr-3705	8	9	forty	forty	NUM
fsr-3705	8	10	years	year	NOUN
fsr-3705	8	11	early	early	ADV
fsr-3705	8	12	in	in	ADP
fsr-3705	8	13	their	their	PRON
fsr-3705	8	14	careers	career	NOUN
fsr-3705	8	15	,	,	PUNCT
fsr-3705	8	16	so	so	ADV
fsr-3705	8	17	information	information	NOUN
fsr-3705	8	18	about	about	ADP
fsr-3705	8	19	the	the	DET
fsr-3705	8	20	long	long	ADV
fsr-3705	8	21	-	-	PUNCT
fsr-3705	8	22	run	run	NOUN
fsr-3705	8	23	returns	return	NOUN
fsr-3705	8	24	and	and	CCONJ
fsr-3705	8	25	risks	risk	NOUN
fsr-3705	8	26	of	of	ADP
fsr-3705	8	27	various	various	ADJ
fsr-3705	8	28	asset	asset	NOUN
fsr-3705	8	29	classes	class	NOUN
fsr-3705	8	30	is	be	AUX
fsr-3705	8	31	essential	essential	ADJ
fsr-3705	8	32	.	.	PUNCT
fsr-3705	9	1	existing	exist	VERB
fsr-3705	9	2	research	research	NOUN
fsr-3705	9	3	on	on	ADP
fsr-3705	9	4	time	time	NOUN
fsr-3705	9	5	diversification	diversification	NOUN
fsr-3705	9	6	must	must	AUX
fsr-3705	9	7	be	be	AUX
fsr-3705	9	8	modified	modify	VERB
fsr-3705	9	9	for	for	ADP
fsr-3705	9	10	retirement	retirement	NOUN
fsr-3705	9	11	planning	planning	NOUN
fsr-3705	9	12	.	.	PUNCT
fsr-3705	10	1	levy	levy	NOUN
fsr-3705	10	2	(	(	PUNCT
fsr-3705	10	3	1978	1978	NUM
fsr-3705	10	4	)	)	PUNCT
fsr-3705	10	5	,	,	PUNCT
fsr-3705	10	6	reichenstein	reichenstein	NOUN
fsr-3705	10	7	(	(	PUNCT
fsr-3705	10	8	1986	1986	NUM
fsr-3705	10	9	)	)	PUNCT
fsr-3705	10	10	,	,	PUNCT
fsr-3705	10	11	and	and	CCONJ
fsr-3705	10	12	butler	butler	NOUN
fsr-3705	10	13	and	and	CCONJ
fsr-3705	10	14	domian	domian	PROPN
fsr-3705	10	15	(	(	PUNCT
fsr-3705	10	16	1991	1991	NUM
fsr-3705	10	17	)	)	PUNCT
fsr-3705	10	18	assume	assume	VERB
fsr-3705	10	19	“	"	PUNCT
fsr-3705	10	20	lump	lump	NOUN
fsr-3705	10	21	-	-	PUNCT
fsr-3705	10	22	sum	sum	NOUN
fsr-3705	10	23	”	"	PUNCT
fsr-3705	10	24	investments	investment	NOUN
fsr-3705	10	25	at	at	ADP
fsr-3705	10	26	the	the	DET
fsr-3705	10	27	beginning	beginning	NOUN
fsr-3705	10	28	of	of	ADP
fsr-3705	10	29	the	the	DET
fsr-3705	10	30	holding	hold	VERB
fsr-3705	10	31	period	period	NOUN
fsr-3705	10	32	,	,	PUNCT
fsr-3705	10	33	with	with	ADP
fsr-3705	10	34	no	no	DET
fsr-3705	10	35	other	other	ADJ
fsr-3705	10	36	funds	fund	NOUN
fsr-3705	10	37	added	add	VERB
fsr-3705	10	38	except	except	SCONJ
fsr-3705	10	39	for	for	ADP
fsr-3705	10	40	reinvested	reinvested	ADJ
fsr-3705	10	41	portfolio	portfolio	NOUN
fsr-3705	10	42	earnings	earning	NOUN
fsr-3705	10	43	.	.	PUNCT
fsr-3705	11	1	however	however	ADV
fsr-3705	11	2	,	,	PUNCT
fsr-3705	11	3	retirement	retirement	NOUN
fsr-3705	11	4	investments	investment	NOUN
fsr-3705	11	5	typically	typically	ADV
fsr-3705	11	6	have	have	VERB
fsr-3705	11	7	monthly	monthly	ADJ
fsr-3705	11	8	or	or	CCONJ
fsr-3705	11	9	yearly	yearly	ADJ
fsr-3705	11	10	contributions	contribution	NOUN
fsr-3705	11	11	which	which	PRON
fsr-3705	11	12	increase	increase	VERB
fsr-3705	11	13	portfolio	portfolio	NOUN
fsr-3705	11	14	size	size	NOUN
fsr-3705	11	15	t	t	PROPN
fsr-3705	11	16	~	~	PUNCT
fsr-3705	11	17	oughout	oughout	ADP
fsr-3705	11	18	the	the	DET
fsr-3705	11	19	holding	hold	VERB
fsr-3705	11	20	period	period	NOUN
fsr-3705	11	21	.	.	PUNCT
fsr-3705	12	1	thus	thus	ADV
fsr-3705	12	2	,	,	PUNCT
fsr-3705	12	3	returns	return	NOUN
fsr-3705	12	4	in	in	ADP
fsr-3705	12	5	early	early	ADJ
fsr-3705	12	6	years	year	NOUN
fsr-3705	12	7	are	be	AUX
fsr-3705	12	8	not	not	PART
fsr-3705	12	9	as	as	ADV
fsr-3705	12	10	important	important	ADJ
fsr-3705	12	11	to	to	AUX
fsr-3705	12	12	retirement	retirement	VERB
fsr-3705	12	13	wealth	wealth	NOUN
fsr-3705	12	14	as	as	ADP
fsr-3705	12	15	returns	return	NOUN
fsr-3705	12	16	in	in	ADP
fsr-3705	12	17	later	later	ADJ
fsr-3705	12	18	years	year	NOUN
fsr-3705	12	19	.	.	PUNCT
fsr-3705	13	1	kirt	kirt	PROPN
fsr-3705	13	2	c.	c.	PROPN
fsr-3705	13	3	butler	butler	PROPN
fsr-3705	13	4	l	l	PROPN
fsr-3705	13	5	associate	associate	NOUN
fsr-3705	13	6	professor	professor	NOUN
fsr-3705	13	7	of	of	ADP
fsr-3705	13	8	finance	finance	NOUN
fsr-3705	13	9	,	,	PUNCT
fsr-3705	13	10	department	department	NOUN
fsr-3705	13	11	of	of	ADP
fsr-3705	13	12	finance	finance	NOUN
fsr-3705	13	13	and	and	CCONJ
fsr-3705	13	14	insurance	insurance	NOUN
fsr-3705	13	15	,	,	PUNCT
fsr-3705	13	16	the	the	DET
fsr-3705	13	17	eli	eli	PROPN
fsr-3705	13	18	broad	broad	ADJ
fsr-3705	13	19	graduate	graduate	PROPN
fsr-3705	13	20	school	school	NOUN
fsr-3705	13	21	of	of	ADP
fsr-3705	13	22	management	management	NOUN
fsr-3705	13	23	,	,	PUNCT
fsr-3705	13	24	michigan	michigan	PROPN
fsr-3705	13	25	state	state	PROPN
fsr-3705	13	26	university	university	PROPN
fsr-3705	13	27	,	,	PUNCT
fsr-3705	13	28	east	east	PROPN
fsr-3705	13	29	lansing	lansing	PROPN
fsr-3705	13	30	,	,	PUNCT
fsr-3705	13	31	mi	mi	PROPN
fsr-3705	13	32	48824	48824	NUM
fsr-3705	13	33	.	.	PUNCT
fsr-3705	14	1	dale	dale	PROPN
fsr-3705	14	2	l.	l.	PROPN
fsr-3705	14	3	domian	domian	PROPN
fsr-3705	14	4	l	l	PROPN
fsr-3705	14	5	assistant	assistant	NOUN
fsr-3705	14	6	professor	professor	NOUN
fsr-3705	14	7	of	of	ADP
fsr-3705	14	8	finance	finance	NOUN
fsr-3705	14	9	,	,	PUNCT
fsr-3705	14	10	department	department	NOUN
fsr-3705	14	11	of	of	ADP
fsr-3705	14	12	finance	finance	NOUN
fsr-3705	14	13	and	and	CCONJ
fsr-3705	14	14	insurance	insurance	NOUN
fsr-3705	14	15	,	,	PUNCT
fsr-3705	14	16	‘	'	PUNCT
fsr-3705	14	17	the	the	DET
fsr-3705	14	18	eli	eli	PROPN
fsr-3705	14	19	broad	broad	ADJ
fsr-3705	14	20	graduate	graduate	PROPN
fsr-3705	14	21	school	school	NOUN
fsr-3705	14	22	of	of	ADP
fsr-3705	14	23	management	management	NOUN
fsr-3705	14	24	,	,	PUNCT
fsr-3705	14	25	michigan	michigan	PROPN
fsr-3705	14	26	state	state	PROPN
fsr-3705	14	27	univet&y	univet&y	PROPN
fsr-3705	14	28	,	,	PUNCT
fsr-3705	14	29	east	east	PROPN
fsr-3705	14	30	lansing	lansing	PROPN
fsr-3705	14	31	,	,	PUNCT
fsr-3705	14	32	mi	mi	PROPN
fsr-3705	14	33	48824	48824	NUM
fsr-3705	14	34	.	.	PUNCT
fsr-3705	15	1	42	42	NUM
fsr-3705	15	2	financial	financial	ADJ
fsr-3705	15	3	services	service	NOUN
fsr-3705	15	4	review	review	NOUN
fsr-3705	15	5	,	,	PUNCT
fsr-3705	15	6	2(l	2(l	NUM
fsr-3705	15	7	)	)	PUNCT
fsr-3705	15	8	1wm993	1wm993	NUM
fsr-3705	15	9	most	most	ADV
fsr-3705	15	10	defined	define	VERB
fsr-3705	15	11	contribution	contribution	NOUN
fsr-3705	15	12	pension	pension	NOUN
fsr-3705	15	13	plans	plan	NOUN
fsr-3705	15	14	give	give	VERB
fsr-3705	15	15	the	the	DET
fsr-3705	15	16	asset	asset	NOUN
fsr-3705	15	17	allocation	allocation	NOUN
fsr-3705	15	18	choice	choice	NOUN
fsr-3705	15	19	to	to	ADP
fsr-3705	15	20	the	the	DET
fsr-3705	15	21	individual	individual	ADJ
fsr-3705	15	22	participant	participant	NOUN
fsr-3705	15	23	.	.	PUNCT
fsr-3705	16	1	for	for	ADP
fsr-3705	16	2	example	example	NOUN
fsr-3705	16	3	,	,	PUNCT
fsr-3705	16	4	many	many	ADJ
fsr-3705	16	5	college	college	NOUN
fsr-3705	16	6	and	and	CCONJ
fsr-3705	16	7	university	university	NOUN
fsr-3705	16	8	employees	employee	NOUN
fsr-3705	16	9	allocate	allocate	VERB
fsr-3705	16	10	retirement	retirement	NOUN
fsr-3705	16	11	contributions	contribution	NOUN
fsr-3705	16	12	between	between	ADP
fsr-3705	16	13	the	the	DET
fsr-3705	16	14	cref	cref	NOUN
fsr-3705	16	15	common	common	ADJ
fsr-3705	16	16	stock	stock	NOUN
fsr-3705	16	17	fund	fund	NOUN
fsr-3705	16	18	and	and	CCONJ
fsr-3705	16	19	tiaa	tiaa	NOUN
fsr-3705	16	20	which	which	PRON
fsr-3705	16	21	has	have	VERB
fsr-3705	16	22	assets	asset	NOUN
fsr-3705	16	23	including	include	VERB
fsr-3705	16	24	bonds	bond	NOUN
fsr-3705	16	25	and	and	CCONJ
fsr-3705	16	26	mortgages	mortgage	NOUN
fsr-3705	16	27	.	.	PUNCT
fsr-3705	17	1	additional	additional	ADJ
fsr-3705	17	2	choices	choice	NOUN
fsr-3705	17	3	are	be	AUX
fsr-3705	17	4	available	available	ADJ
fsr-3705	17	5	through	through	ADP
fsr-3705	17	6	iras	ira	NOUN
fsr-3705	17	7	,	,	PUNCT
fsr-3705	17	8	401(k	401(k	NOUN
fsr-3705	17	9	)	)	PUNCT
fsr-3705	17	10	plans	plan	NOUN
fsr-3705	17	11	,	,	PUNCT
fsr-3705	17	12	and	and	CCONJ
fsr-3705	17	13	other	other	ADJ
fsr-3705	17	14	tax	tax	NOUN
fsr-3705	17	15	-	-	PUNCT
fsr-3705	17	16	sheltered	shelter	VERB
fsr-3705	17	17	arrangements	arrangement	NOUN
fsr-3705	17	18	.	.	PUNCT
fsr-3705	18	1	investors	investor	NOUN
fsr-3705	18	2	making	make	VERB
fsr-3705	18	3	peri	peri	PROPN
fsr-3705	18	4	odic	odic	ADJ
fsr-3705	18	5	contributions	contribution	NOUN
fsr-3705	18	6	to	to	ADP
fsr-3705	18	7	their	their	PRON
fsr-3705	18	8	retirement	retirement	NOUN
fsr-3705	18	9	portfolios	portfolio	NOUN
fsr-3705	18	10	need	need	VERB
fsr-3705	18	11	to	to	PART
fsr-3705	18	12	know	know	VERB
fsr-3705	18	13	the	the	DET
fsr-3705	18	14	impact	impact	NOUN
fsr-3705	18	15	of	of	ADP
fsr-3705	18	16	their	their	PRON
fsr-3705	18	17	asset	asset	NOUN
fsr-3705	18	18	choice	choice	NOUN
fsr-3705	18	19	on	on	ADP
fsr-3705	18	20	ending	end	VERB
fsr-3705	18	21	wealth	wealth	NOUN
fsr-3705	18	22	.	.	PUNCT
fsr-3705	19	1	we	we	PRON
fsr-3705	19	2	use	use	VERB
fsr-3705	19	3	observed	observed	ADJ
fsr-3705	19	4	capital	capital	NOUN
fsr-3705	19	5	market	market	NOUN
fsr-3705	19	6	history	history	NOUN
fsr-3705	19	7	and	and	CCONJ
fsr-3705	19	8	an	an	DET
fsr-3705	19	9	empirical	empirical	ADJ
fsr-3705	19	10	resampling	resample	VERB
fsr-3705	19	11	procedure	procedure	NOUN
fsr-3705	19	12	to	to	PART
fsr-3705	19	13	estimate	estimate	VERB
fsr-3705	19	14	retirement	retirement	NOUN
fsr-3705	19	15	wealth	wealth	NOUN
fsr-3705	19	16	distributions	distribution	NOUN
fsr-3705	19	17	over	over	ADP
fsr-3705	19	18	various	various	ADJ
fsr-3705	19	19	investment	investment	NOUN
fsr-3705	19	20	horizons	horizon	NOUN
fsr-3705	19	21	.	.	PUNCT
fsr-3705	20	1	these	these	DET
fsr-3705	20	2	distributions	distribution	NOUN
fsr-3705	20	3	are	be	AUX
fsr-3705	20	4	inflation	inflation	NOUN
fsr-3705	20	5	-	-	PUNCT
fsr-3705	20	6	adjusted	adjust	VERB
fsr-3705	20	7	so	so	SCONJ
fsr-3705	20	8	that	that	SCONJ
fsr-3705	20	9	retirement	retirement	NOUN
fsr-3705	20	10	income	income	NOUN
fsr-3705	20	11	can	can	AUX
fsr-3705	20	12	be	be	AUX
fsr-3705	20	13	stated	state	VERB
fsr-3705	20	14	in	in	ADP
fsr-3705	20	15	terms	term	NOUN
fsr-3705	20	16	of	of	ADP
fsr-3705	20	17	today	today	NOUN
fsr-3705	20	18	’s	’s	PART
fsr-3705	20	19	purchasing	purchasing	NOUN
fsr-3705	20	20	power	power	NOUN
fsr-3705	20	21	.	.	PUNCT
fsr-3705	21	1	the	the	DET
fsr-3705	21	2	wealth	wealth	NOUN
fsr-3705	21	3	distributions	distribution	NOUN
fsr-3705	21	4	also	also	ADV
fsr-3705	21	5	reveal	reveal	VERB
fsr-3705	21	6	the	the	DET
fsr-3705	21	7	likelihood	likelihood	NOUN
fsr-3705	21	8	of	of	ADP
fsr-3705	21	9	one	one	NUM
fsr-3705	21	10	asset	asset	NOUN
fsr-3705	21	11	class	class	NOUN
fsr-3705	21	12	outperforming	outperforming	NOUN
fsr-3705	21	13	another	another	PRON
fsr-3705	21	14	over	over	ADP
fsr-3705	21	15	various	various	ADJ
fsr-3705	21	16	holding	hold	VERB
fsr-3705	21	17	periods	period	NOUN
fsr-3705	21	18	.	.	PUNCT
fsr-3705	22	1	along	along	ADP
fsr-3705	22	2	with	with	ADP
fsr-3705	22	3	stating	state	VERB
fsr-3705	22	4	total	total	ADJ
fsr-3705	22	5	wealth	wealth	NOUN
fsr-3705	22	6	at	at	ADP
fsr-3705	22	7	the	the	DET
fsr-3705	22	8	beginning	beginning	NOUN
fsr-3705	22	9	of	of	ADP
fsr-3705	22	10	retirement	retirement	NOUN
fsr-3705	22	11	,	,	PUNCT
fsr-3705	22	12	we	we	PRON
fsr-3705	22	13	also	also	ADV
fsr-3705	22	14	calculate	calculate	VERB
fsr-3705	22	15	monthly	monthly	ADJ
fsr-3705	22	16	payments	payment	NOUN
fsr-3705	22	17	from	from	ADP
fsr-3705	22	18	lifetime	lifetime	NOUN
fsr-3705	22	19	annuities	annuity	NOUN
fsr-3705	22	20	so	so	SCONJ
fsr-3705	22	21	that	that	SCONJ
fsr-3705	22	22	investors	investor	NOUN
fsr-3705	22	23	can	can	AUX
fsr-3705	22	24	plan	plan	VERB
fsr-3705	22	25	for	for	ADP
fsr-3705	22	26	their	their	PRON
fsr-3705	22	27	retirement	retirement	NOUN
fsr-3705	22	28	incomes	income	NOUN
fsr-3705	22	29	and	and	CCONJ
fsr-3705	22	30	lifestyles	lifestyle	NOUN
fsr-3705	22	31	.	.	PUNCT
fsr-3705	23	1	the	the	DET
fsr-3705	23	2	next	next	ADJ
fsr-3705	23	3	section	section	NOUN
fsr-3705	23	4	reviews	review	VERB
fsr-3705	23	5	the	the	DET
fsr-3705	23	6	existing	exist	VERB
fsr-3705	23	7	time	time	NOUN
fsr-3705	23	8	diversification	diversification	NOUN
fsr-3705	23	9	literature	literature	NOUN
fsr-3705	23	10	.	.	PUNCT
fsr-3705	24	1	section	section	NOUN
fsr-3705	24	2	iii	iii	PROPN
fsr-3705	24	3	describes	describe	VERB
fsr-3705	24	4	the	the	DET
fsr-3705	24	5	resampling	resample	VERB
fsr-3705	24	6	procedure	procedure	NOUN
fsr-3705	24	7	for	for	ADP
fsr-3705	24	8	estimating	estimate	VERB
fsr-3705	24	9	wealth	wealth	NOUN
fsr-3705	24	10	distributions	distribution	NOUN
fsr-3705	24	11	.	.	PUNCT
fsr-3705	25	1	section	section	NOUN
fsr-3705	25	2	iv	iv	NUM
fsr-3705	25	3	presents	present	NOUN
fsr-3705	26	1	and	and	CCONJ
fsr-3705	26	2	interprets	interpret	VERB
fsr-3705	26	3	the	the	DET
fsr-3705	26	4	results	result	NOUN
fsr-3705	26	5	from	from	ADP
fsr-3705	26	6	the	the	DET
fsr-3705	26	7	estimations	estimation	NOUN
fsr-3705	26	8	.	.	PUNCT
fsr-3705	27	1	concluding	conclude	VERB
fsr-3705	27	2	remarks	remark	NOUN
fsr-3705	27	3	are	be	AUX
fsr-3705	27	4	made	make	VERB
fsr-3705	27	5	in	in	ADP
fsr-3705	27	6	section	section	NOUN
fsr-3705	27	7	v.	v.	PROPN
fsr-3705	27	8	ii	ii	PROPN
fsr-3705	27	9	.	.	PUNCT
fsr-3705	28	1	previous	previous	ADJ
fsr-3705	28	2	research	research	NOUN
fsr-3705	28	3	levy	levy	NOUN
fsr-3705	28	4	(	(	PUNCT
fsr-3705	28	5	1978	1978	NUM
fsr-3705	28	6	)	)	PUNCT
fsr-3705	28	7	demonstrates	demonstrate	VERB
fsr-3705	28	8	effects	effect	NOUN
fsr-3705	28	9	of	of	ADP
fsr-3705	28	10	time	time	NOUN
fsr-3705	28	11	diversification	diversification	NOUN
fsr-3705	28	12	by	by	ADP
fsr-3705	28	13	tabulating	tabulate	VERB
fsr-3705	28	14	histori	histori	PROPN
fsr-3705	28	15	cal	cal	ADJ
fsr-3705	28	16	returns	return	NOUN
fsr-3705	28	17	over	over	ADP
fsr-3705	28	18	various	various	ADJ
fsr-3705	28	19	holding	hold	VERB
fsr-3705	28	20	periods	period	NOUN
fsr-3705	28	21	.	.	PUNCT
fsr-3705	29	1	he	he	PRON
fsr-3705	29	2	finds	find	VERB
fsr-3705	29	3	that	that	SCONJ
fsr-3705	29	4	common	common	ADJ
fsr-3705	29	5	stocks	stock	NOUN
fsr-3705	29	6	outperformed	outperform	VERB
fsr-3705	29	7	treasury	treasury	NOUN
fsr-3705	29	8	bills	bill	NOUN
fsr-3705	29	9	in	in	ADP
fsr-3705	29	10	every	every	DET
fsr-3705	29	11	25year	25year	NUM
fsr-3705	29	12	holding	hold	VERB
fsr-3705	29	13	period	period	NOUN
fsr-3705	29	14	over	over	ADP
fsr-3705	29	15	1926	1926	NUM
fsr-3705	29	16	-	-	SYM
fsr-3705	29	17	1977	1977	NUM
fsr-3705	29	18	.	.	PUNCT
fsr-3705	30	1	by	by	ADP
fsr-3705	30	2	using	use	VERB
fsr-3705	30	3	one	one	NUM
fsr-3705	30	4	-	-	PUNCT
fsr-3705	30	5	year	year	NOUN
fsr-3705	30	6	overlaps	overlap	NOUN
fsr-3705	30	7	,	,	PUNCT
fsr-3705	30	8	levy	levy	NOUN
fsr-3705	30	9	constructs	construct	VERB
fsr-3705	30	10	twenty	twenty	NUM
fsr-3705	30	11	-	-	PUNCT
fsr-3705	30	12	eight	eight	NUM
fsr-3705	30	13	25year	25year	NUM
fsr-3705	30	14	periods	period	NOUN
fsr-3705	30	15	from	from	ADP
fsr-3705	30	16	the	the	DET
fsr-3705	30	17	52	52	NUM
fsr-3705	30	18	years	year	NOUN
fsr-3705	30	19	.	.	PUNCT
fsr-3705	31	1	however	however	ADV
fsr-3705	31	2	,	,	PUNCT
fsr-3705	31	3	as	as	SCONJ
fsr-3705	31	4	levy	levy	NOUN
fsr-3705	31	5	observes	observe	VERB
fsr-3705	31	6	,	,	PUNCT
fsr-3705	31	7	overlapping	overlap	VERB
fsr-3705	31	8	holding	hold	VERB
fsr-3705	31	9	periods	period	NOUN
fsr-3705	31	10	are	be	AUX
fsr-3705	31	11	not	not	PART
fsr-3705	31	12	independent	independent	ADJ
fsr-3705	31	13	.	.	PUNCT
fsr-3705	31	14	’	'	PUNCT
fsr-3705	32	1	if	if	SCONJ
fsr-3705	32	2	common	common	ADJ
fsr-3705	32	3	stocks	stock	NOUN
fsr-3705	32	4	had	have	AUX
fsr-3705	32	5	risen	rise	VERB
fsr-3705	32	6	by	by	ADP
fsr-3705	32	7	loo0	loo0	PROPN
fsr-3705	32	8	percent	percent	NOUN
fsr-3705	32	9	in	in	ADP
fsr-3705	32	10	january	january	PROPN
fsr-3705	32	11	1952	1952	NUM
fsr-3705	32	12	,	,	PUNCT
fsr-3705	32	13	this	this	DET
fsr-3705	32	14	amazing	amazing	ADJ
fsr-3705	32	15	return	return	NOUN
fsr-3705	32	16	would	would	AUX
fsr-3705	32	17	be	be	AUX
fsr-3705	32	18	included	include	VERB
fsr-3705	32	19	in	in	ADP
fsr-3705	32	20	all	all	PRON
fsr-3705	32	21	but	but	SCONJ
fsr-3705	32	22	three	three	NUM
fsr-3705	32	23	of	of	ADP
fsr-3705	32	24	levy	levy	NOUN
fsr-3705	32	25	’s	’s	PART
fsr-3705	32	26	25	25	NUM
fsr-3705	32	27	-	-	PUNCT
fsr-3705	32	28	year	year	NOUN
fsr-3705	32	29	periods	period	NOUN
fsr-3705	32	30	.	.	PUNCT
fsr-3705	33	1	distributions	distribution	NOUN
fsr-3705	33	2	based	base	VERB
fsr-3705	33	3	on	on	ADP
fsr-3705	33	4	overlap	overlap	NOUN
fsr-3705	33	5	ping	ping	NOUN
fsr-3705	33	6	periods	period	NOUN
fsr-3705	33	7	thus	thus	ADV
fsr-3705	33	8	misrepresent	misrepresent	VERB
fsr-3705	33	9	the	the	DET
fsr-3705	33	10	true	true	ADJ
fsr-3705	33	11	25	25	NUM
fsr-3705	33	12	-	-	PUNCT
fsr-3705	33	13	year	year	NOUN
fsr-3705	33	14	return	return	NOUN
fsr-3705	33	15	distributions	distribution	NOUN
fsr-3705	33	16	.	.	PUNCT
fsr-3705	34	1	a	a	DET
fsr-3705	34	2	way	way	NOUN
fsr-3705	34	3	out	out	ADP
fsr-3705	34	4	of	of	ADP
fsr-3705	34	5	this	this	DET
fsr-3705	34	6	problem	problem	NOUN
fsr-3705	34	7	is	be	AUX
fsr-3705	34	8	to	to	PART
fsr-3705	34	9	use	use	VERB
fsr-3705	34	10	the	the	DET
fsr-3705	34	11	observed	observe	VERB
fsr-3705	34	12	history	history	NOUN
fsr-3705	34	13	of	of	ADP
fsr-3705	34	14	stock	stock	NOUN
fsr-3705	34	15	and	and	CCONJ
fsr-3705	34	16	bond	bond	NOUN
fsr-3705	34	17	returns	return	NOUN
fsr-3705	34	18	in	in	ADP
fsr-3705	34	19	a	a	DET
fsr-3705	34	20	mote	mote	PROPN
fsr-3705	34	21	creative	creative	ADJ
fsr-3705	34	22	way	way	NOUN
fsr-3705	34	23	.	.	PUNCT
fsr-3705	35	1	one	one	NUM
fsr-3705	35	2	approach	approach	NOUN
fsr-3705	35	3	is	be	AUX
fsr-3705	35	4	to	to	PART
fsr-3705	35	5	assume	assume	VERB
fsr-3705	35	6	stock	stock	NOUN
fsr-3705	35	7	and	and	CCONJ
fsr-3705	35	8	bond	bond	NOUN
fsr-3705	35	9	returns	return	NOUN
fsr-3705	35	10	are	be	AUX
fsr-3705	35	11	normally	normally	ADV
fsr-3705	35	12	distributed	distribute	VERB
fsr-3705	35	13	and	and	CCONJ
fsr-3705	35	14	then	then	ADV
fsr-3705	35	15	derive	derive	VERB
fsr-3705	35	16	the	the	DET
fsr-3705	35	17	time	time	NOUN
fsr-3705	35	18	diversification	diversification	NOUN
fsr-3705	35	19	impact	impact	NOUN
fsr-3705	35	20	of	of	ADP
fsr-3705	35	21	longer	long	ADV
fsr-3705	35	22	holding	hold	VERB
fsr-3705	35	23	periods	period	NOUN
fsr-3705	35	24	.	.	PUNCT
fsr-3705	36	1	reichenstein	reichenstein	PROPN
fsr-3705	36	2	(	(	PUNCT
fsr-3705	36	3	1986	1986	NUM
fsr-3705	36	4	)	)	PUNCT
fsr-3705	36	5	uses	use	VERB
fsr-3705	36	6	this	this	DET
fsr-3705	36	7	method	method	NOUN
fsr-3705	36	8	to	to	PART
fsr-3705	36	9	show	show	VERB
fsr-3705	36	10	the	the	DET
fsr-3705	36	11	manner	manner	NOUN
fsr-3705	36	12	in	in	ADP
fsr-3705	36	13	which	which	PRON
fsr-3705	36	14	portfolio	portfolio	NOUN
fsr-3705	36	15	risk	risk	NOUN
fsr-3705	36	16	depends	depend	VERB
fsr-3705	36	17	on	on	ADP
fsr-3705	36	18	the	the	DET
fsr-3705	36	19	holding	hold	VERB
fsr-3705	36	20	period	period	NOUN
fsr-3705	36	21	.	.	PUNCT
fsr-3705	37	1	a	a	DET
fsr-3705	37	2	simulation	simulation	NOUN
fsr-3705	37	3	model	model	NOUN
fsr-3705	37	4	can	can	AUX
fsr-3705	37	5	also	also	ADV
fsr-3705	37	6	prove	prove	VERB
fsr-3705	37	7	helpful	helpful	ADJ
fsr-3705	37	8	in	in	ADP
fsr-3705	37	9	time	time	NOUN
fsr-3705	37	10	diversification	diversification	NOUN
fsr-3705	37	11	research	research	NOUN
fsr-3705	37	12	.	.	PUNCT
fsr-3705	38	1	this	this	PRON
fsr-3705	38	2	is	be	AUX
fsr-3705	38	3	an	an	DET
fsr-3705	38	4	especially	especially	ADV
fsr-3705	38	5	attractive	attractive	ADJ
fsr-3705	38	6	alternative	alternative	NOUN
fsr-3705	38	7	for	for	ADP
fsr-3705	38	8	researchers	researcher	NOUN
fsr-3705	38	9	convinced	convince	VERB
fsr-3705	38	10	of	of	ADP
fsr-3705	38	11	fundamental	fundamental	ADJ
fsr-3705	38	12	differences	difference	NOUN
fsr-3705	38	13	between	between	ADP
fsr-3705	38	14	past	past	NOUN
fsr-3705	38	15	and	and	CCONJ
fsr-3705	38	16	future	future	ADJ
fsr-3705	38	17	real	real	ADJ
fsr-3705	38	18	return	return	NOUN
fsr-3705	38	19	distributions	distribution	NOUN
fsr-3705	38	20	.	.	PUNCT
fsr-3705	39	1	for	for	ADP
fsr-3705	39	2	example	example	NOUN
fsr-3705	39	3	,	,	PUNCT
fsr-3705	39	4	leibowitz	leibowitz	PROPN
fsr-3705	39	5	and	and	CCONJ
fsr-3705	39	6	langetieg	langetieg	PROPN
fsr-3705	39	7	(	(	PUNCT
fsr-3705	39	8	1989	1989	NUM
fsr-3705	39	9	)	)	PUNCT
fsr-3705	39	10	construct	construct	VERB
fsr-3705	39	11	models	model	NOUN
fsr-3705	39	12	assuming	assume	VERB
fsr-3705	39	13	a	a	DET
fsr-3705	39	14	4	4	NUM
fsr-3705	39	15	percent	percent	NOUN
fsr-3705	39	16	stock	stock	NOUN
fsr-3705	39	17	risk	risk	NOUN
fsr-3705	39	18	premium	premium	NOUN
fsr-3705	39	19	over	over	ADP
fsr-3705	39	20	bonds	bond	NOUN
fsr-3705	39	21	rather	rather	ADV
fsr-3705	39	22	than	than	ADP
fsr-3705	39	23	the	the	DET
fsr-3705	39	24	7	7	NUM
fsr-3705	39	25	percent	percent	NOUN
fsr-3705	39	26	common	common	ADJ
fsr-3705	39	27	stock	stock	NOUN
fsr-3705	39	28	/	/	SYM
fsr-3705	39	29	treasury	treasury	PROPN
fsr-3705	39	30	bond	bond	NOUN
fsr-3705	39	31	premium	premium	NOUN
fsr-3705	39	32	ob	ob	ADP
fsr-3705	39	33	served	serve	VERB
fsr-3705	39	34	since	since	SCONJ
fsr-3705	39	35	1926	1926	NUM
fsr-3705	39	36	.	.	PUNCT
fsr-3705	40	1	a	a	DET
fsr-3705	40	2	lower	low	ADJ
fsr-3705	40	3	stock	stock	NOUN
fsr-3705	40	4	/	/	SYM
fsr-3705	40	5	bond	bond	NOUN
fsr-3705	40	6	risk	risk	NOUN
fsr-3705	40	7	premium	premium	NOUN
fsr-3705	40	8	decreases	decrease	VERB
fsr-3705	40	9	the	the	DET
fsr-3705	40	10	relative	relative	ADJ
fsr-3705	40	11	advan	advan	NOUN
fsr-3705	40	12	tage	tage	NOUN
fsr-3705	40	13	of	of	ADP
fsr-3705	40	14	stocks	stock	NOUN
fsr-3705	40	15	over	over	ADP
fsr-3705	40	16	bonds	bond	NOUN
fsr-3705	40	17	for	for	ADP
fsr-3705	40	18	both	both	CCONJ
fsr-3705	40	19	short	short	ADJ
fsr-3705	40	20	and	and	CCONJ
fsr-3705	40	21	long	long	ADJ
fsr-3705	40	22	holding	holding	NOUN
fsr-3705	40	23	periods	period	NOUN
fsr-3705	40	24	.	.	PUNCT
fsr-3705	41	1	the	the	DET
fsr-3705	41	2	disadvantage	disadvantage	NOUN
fsr-3705	41	3	long	long	ADV
fsr-3705	41	4	-	-	PUNCT
fsr-3705	41	5	run	run	NOUN
fsr-3705	41	6	returns	return	NOUN
fsr-3705	41	7	on	on	ADP
fsr-3705	41	8	stock	stock	NOUN
fsr-3705	41	9	and	and	CCONJ
fsr-3705	41	10	bond	bond	NOUN
fsr-3705	41	11	portfdios	portfdio	NOUN
fsr-3705	41	12	43	43	NUM
fsr-3705	41	13	of	of	ADP
fsr-3705	41	14	this	this	DET
fsr-3705	41	15	technique	technique	NOUN
fsr-3705	41	16	is	be	AUX
fsr-3705	41	17	that	that	SCONJ
fsr-3705	41	18	simulation	simulation	NOUN
fsr-3705	41	19	models	model	NOUN
fsr-3705	41	20	are	be	AUX
fsr-3705	41	21	often	often	ADV
fsr-3705	41	22	ad	ad	X
fsr-3705	41	23	hoc	hoc	X
fsr-3705	41	24	and	and	CCONJ
fsr-3705	41	25	reflect	reflect	VERB
fsr-3705	41	26	the	the	DET
fsr-3705	41	27	creator	creator	NOUN
fsr-3705	41	28	’s	’s	PART
fsr-3705	41	29	preconceptions	preconception	NOUN
fsr-3705	41	30	regarding	regard	VERB
fsr-3705	41	31	the	the	DET
fsr-3705	41	32	relevant	relevant	ADJ
fsr-3705	41	33	forces	force	NOUN
fsr-3705	41	34	driving	drive	VERB
fsr-3705	41	35	asset	asset	NOUN
fsr-3705	41	36	returns	return	NOUN
fsr-3705	41	37	.	.	PUNCT
fsr-3705	42	1	we	we	PRON
fsr-3705	42	2	follow	follow	VERB
fsr-3705	42	3	the	the	DET
fsr-3705	42	4	empirical	empirical	ADJ
fsr-3705	42	5	resampling	resample	VERB
fsr-3705	42	6	procedure	procedure	NOUN
fsr-3705	42	7	of	of	ADP
fsr-3705	42	8	butler	butler	NOUN
fsr-3705	42	9	and	and	CCONJ
fsr-3705	42	10	domian	domian	PROPN
fsr-3705	42	11	(	(	PUNCT
fsr-3705	42	12	199	199	NUM
fsr-3705	42	13	1	1	NUM
fsr-3705	42	14	)	)	PUNCT
fsr-3705	42	15	.	.	PUNCT
fsr-3705	43	1	in	in	ADP
fsr-3705	43	2	contrast	contrast	NOUN
fsr-3705	43	3	to	to	ADP
fsr-3705	43	4	the	the	DET
fsr-3705	43	5	simulation	simulation	NOUN
fsr-3705	43	6	model	model	NOUN
fsr-3705	43	7	of	of	ADP
fsr-3705	43	8	leibowitz	leibowitz	PROPN
fsr-3705	43	9	and	and	CCONJ
fsr-3705	43	10	langetieg	langetieg	PROPN
fsr-3705	43	11	,	,	PUNCT
fsr-3705	43	12	this	this	DET
fsr-3705	43	13	approach	approach	NOUN
fsr-3705	43	14	uses	use	VERB
fsr-3705	43	15	only	only	ADV
fsr-3705	43	16	the	the	DET
fsr-3705	43	17	observed	observed	ADJ
fsr-3705	43	18	history	history	NOUN
fsr-3705	43	19	of	of	ADP
fsr-3705	43	20	stock	stock	NOUN
fsr-3705	43	21	and	and	CCONJ
fsr-3705	43	22	bond	bond	NOUN
fsr-3705	43	23	returns	return	NOUN
fsr-3705	43	24	.	.	PUNCT
fsr-3705	44	1	it	it	PRON
fsr-3705	44	2	requires	require	VERB
fsr-3705	44	3	two	two	NUM
fsr-3705	44	4	conditions	condition	NOUN
fsr-3705	44	5	for	for	ADP
fsr-3705	44	6	the	the	DET
fsr-3705	44	7	empirical	empirical	ADJ
fsr-3705	44	8	distribution	distribution	NOUN
fsr-3705	44	9	:	:	PUNCT
fsr-3705	44	10	1	1	X
fsr-3705	44	11	)	)	PUNCT
fsr-3705	44	12	random	random	ADJ
fsr-3705	44	13	draws	draw	NOUN
fsr-3705	44	14	must	must	AUX
fsr-3705	44	15	he	he	PRON
fsr-3705	44	16	independent	independent	ADJ
fsr-3705	44	17	over	over	ADP
fsr-3705	44	18	time	time	NOUN
fsr-3705	44	19	,	,	PUNCT
fsr-3705	44	20	and	and	CCONJ
fsr-3705	44	21	2	2	X
fsr-3705	44	22	)	)	PUNCT
fsr-3705	44	23	the	the	DET
fsr-3705	44	24	moments	moment	NOUN
fsr-3705	44	25	of	of	ADP
fsr-3705	44	26	the	the	DET
fsr-3705	44	27	distribution	distribution	NOUN
fsr-3705	44	28	must	must	AUX
fsr-3705	44	29	not	not	PART
fsr-3705	44	30	change	change	VERB
fsr-3705	44	31	over	over	ADP
fsr-3705	44	32	tin~.~*~	tin~.~*~	PROPN
fsr-3705	44	33	a	a	DET
fsr-3705	44	34	full	full	ADJ
fsr-3705	44	35	description	description	NOUN
fsr-3705	44	36	of	of	ADP
fsr-3705	44	37	this	this	DET
fsr-3705	44	38	procedure	procedure	NOUN
fsr-3705	44	39	is	be	AUX
fsr-3705	44	40	presented	present	VERB
fsr-3705	44	41	in	in	ADP
fsr-3705	44	42	the	the	DET
fsr-3705	44	43	next	next	ADJ
fsr-3705	44	44	section	section	NOUN
fsr-3705	44	45	.	.	PUNCT
fsr-3705	45	1	iii.theresamplingprocedure	iii.theresamplingprocedure	VERB
fsr-3705	45	2	the	the	DET
fsr-3705	45	3	standard	standard	ADJ
fsr-3705	45	4	data	datum	NOUN
fsr-3705	45	5	source	source	NOUN
fsr-3705	45	6	in	in	ADP
fsr-3705	45	7	the	the	DET
fsr-3705	45	8	time	time	NOUN
fsr-3705	45	9	diversification	diversification	NOUN
fsr-3705	45	10	literature	literature	NOUN
fsr-3705	45	11	is	be	AUX
fsr-3705	45	12	the	the	DET
fsr-3705	45	13	ibbotson	ibbotson	PROPN
fsr-3705	45	14	monthly	monthly	ADJ
fsr-3705	45	15	return	return	NOUN
fsr-3705	45	16	indices	index	NOUN
fsr-3705	45	17	which	which	PRON
fsr-3705	45	18	date	date	NOUN
fsr-3705	45	19	back	back	ADV
fsr-3705	45	20	to	to	ADP
fsr-3705	45	21	1926	1926	NUM
fsr-3705	45	22	(	(	PUNCT
fsr-3705	45	23	see	see	VERB
fsr-3705	45	24	ibbotson	ibbotson	PROPN
fsr-3705	45	25	1991	1991	NUM
fsr-3705	45	26	)	)	PUNCT
fsr-3705	45	27	.	.	PUNCT
fsr-3705	46	1	we	we	PRON
fsr-3705	46	2	use	use	VERB
fsr-3705	46	3	ibbotson	ibbotson	PROPN
fsr-3705	46	4	’s	’s	PART
fsr-3705	46	5	real	real	ADJ
fsr-3705	46	6	(	(	PUNCT
fsr-3705	46	7	inflationadjusted	inflationadjusted	ADJ
fsr-3705	46	8	)	)	PUNCT
fsr-3705	46	9	returns	return	NOUN
fsr-3705	46	10	for	for	ADP
fsr-3705	46	11	five	five	NUM
fsr-3705	46	12	indices	index	NOUN
fsr-3705	46	13	:	:	PUNCT
fsr-3705	46	14	common	common	ADJ
fsr-3705	46	15	stocks	stock	NOUN
fsr-3705	46	16	,	,	PUNCT
fsr-3705	46	17	small	small	ADJ
fsr-3705	46	18	stocks	stock	NOUN
fsr-3705	46	19	,	,	PUNCT
fsr-3705	46	20	corporate	corporate	ADJ
fsr-3705	46	21	bonds	bond	NOUN
fsr-3705	46	22	,	,	PUNCT
fsr-3705	46	23	treasury	treasury	NOUN
fsr-3705	46	24	bonds	bond	NOUN
fsr-3705	46	25	,	,	PUNCT
fsr-3705	46	26	and	and	CCONJ
fsr-3705	46	27	treasury	treasury	NOUN
fsr-3705	46	28	bills	bill	NOUN
fsr-3705	46	29	.	.	PUNCT
fsr-3705	47	1	our	our	PRON
fsr-3705	47	2	study	study	NOUN
fsr-3705	47	3	covers	cover	VERB
fsr-3705	47	4	65	65	NUM
fsr-3705	47	5	years	year	NOUN
fsr-3705	47	6	from	from	ADP
fsr-3705	47	7	1926	1926	NUM
fsr-3705	47	8	through	through	ADP
fsr-3705	47	9	1990	1990	NUM
fsr-3705	47	10	,	,	PUNCT
fsr-3705	47	11	a	a	DET
fsr-3705	47	12	time	time	NOUN
fsr-3705	47	13	span	span	NOUN
fsr-3705	47	14	of	of	ADP
fsr-3705	47	15	780	780	NUM
fsr-3705	47	16	months	month	NOUN
fsr-3705	47	17	.	.	PUNCT
fsr-3705	48	1	table	table	NOUN
fsr-3705	48	2	1	1	NUM
fsr-3705	48	3	presents	present	NOUN
fsr-3705	48	4	summary	summary	NOUN
fsr-3705	48	5	statistics	statistic	NOUN
fsr-3705	48	6	of	of	ADP
fsr-3705	48	7	the	the	DET
fsr-3705	48	8	time	time	NOUN
fsr-3705	48	9	series	series	NOUN
fsr-3705	48	10	.	.	PUNCT
fsr-3705	49	1	an	an	DET
fsr-3705	49	2	empirical	empirical	ADJ
fsr-3705	49	3	resampling	resample	VERB
fsr-3705	49	4	procedure	procedure	NOUN
fsr-3705	49	5	is	be	AUX
fsr-3705	49	6	used	use	VERB
fsr-3705	49	7	to	to	PART
fsr-3705	49	8	construct	construct	VERB
fsr-3705	49	9	the	the	DET
fsr-3705	49	10	distribution	distribution	NOUN
fsr-3705	49	11	of	of	ADP
fsr-3705	49	12	retirement	retirement	NOUN
fsr-3705	49	13	plan	plan	NOUN
fsr-3705	49	14	returns	return	NOUN
fsr-3705	49	15	.	.	PUNCT
fsr-3705	50	1	we	we	PRON
fsr-3705	50	2	first	first	ADV
fsr-3705	50	3	explain	explain	VERB
fsr-3705	50	4	the	the	DET
fsr-3705	50	5	technique	technique	NOUN
fsr-3705	50	6	with	with	ADP
fsr-3705	50	7	an	an	DET
fsr-3705	50	8	illustrative	illustrative	ADJ
fsr-3705	50	9	example	example	NOUN
fsr-3705	50	10	of	of	ADP
fsr-3705	50	11	a	a	DET
fsr-3705	50	12	30	30	NUM
fsr-3705	50	13	-	-	PUNCT
fsr-3705	50	14	year	year	NOUN
fsr-3705	50	15	accumulation	accumulation	NOUN
fsr-3705	50	16	period	period	NOUN
fsr-3705	50	17	,	,	PUNCT
fsr-3705	50	18	and	and	CCONJ
fsr-3705	50	19	then	then	ADV
fsr-3705	50	20	go	go	VERB
fsr-3705	50	21	on	on	ADP
fsr-3705	50	22	to	to	PART
fsr-3705	50	23	show	show	VERB
fsr-3705	50	24	how	how	SCONJ
fsr-3705	50	25	this	this	PRON
fsr-3705	50	26	can	can	AUX
fsr-3705	50	27	be	be	AUX
fsr-3705	50	28	modified	modify	VERB
fsr-3705	50	29	for	for	ADP
fsr-3705	50	30	other	other	ADJ
fsr-3705	50	31	investment	investment	NOUN
fsr-3705	50	32	horizons	horizon	NOUN
fsr-3705	50	33	.	.	PUNCT
fsr-3705	51	1	suppose	suppose	VERB
fsr-3705	51	2	an	an	DET
fsr-3705	51	3	individual	individual	NOUN
fsr-3705	51	4	intends	intend	VERB
fsr-3705	51	5	to	to	PART
fsr-3705	51	6	make	make	VERB
fsr-3705	51	7	monthly	monthly	ADJ
fsr-3705	51	8	retirement	retirement	NOUN
fsr-3705	51	9	contributions	contribution	NOUN
fsr-3705	51	10	for	for	ADP
fsr-3705	51	11	30	30	NUM
fsr-3705	51	12	years	year	NOUN
fsr-3705	51	13	.	.	PUNCT
fsr-3705	52	1	at	at	ADP
fsr-3705	52	2	the	the	DET
fsr-3705	52	3	end	end	NOUN
fsr-3705	52	4	of	of	ADP
fsr-3705	52	5	this	this	DET
fsr-3705	52	6	accumulation	accumulation	NOUN
fsr-3705	52	7	period	period	NOUN
fsr-3705	52	8	,	,	PUNCT
fsr-3705	52	9	the	the	DET
fsr-3705	52	10	total	total	ADJ
fsr-3705	52	11	accumulated	accumulate	VERB
fsr-3705	52	12	savings	saving	NOUN
fsr-3705	52	13	amount	amount	NOUN
fsr-3705	52	14	is	be	AUX
fsr-3705	52	15	used	use	VERB
fsr-3705	52	16	to	to	PART
fsr-3705	52	17	purchase	purchase	VERB
fsr-3705	52	18	a	a	DET
fsr-3705	52	19	single	single	ADJ
fsr-3705	52	20	-	-	PUNCT
fsr-3705	52	21	premium	premium	NOUN
fsr-3705	52	22	lifetime	lifetime	NOUN
fsr-3705	52	23	annuity	annuity	NOUN
fsr-3705	52	24	with	with	ADP
fsr-3705	52	25	monthly	monthly	ADJ
fsr-3705	52	26	payments	payment	NOUN
fsr-3705	52	27	.	.	PUNCT
fsr-3705	53	1	for	for	ADP
fsr-3705	53	2	each	each	DET
fsr-3705	53	3	dollar	dollar	NOUN
fsr-3705	53	4	of	of	ADP
fsr-3705	53	5	monthly	monthly	ADJ
fsr-3705	53	6	investment	investment	NOUN
fsr-3705	53	7	during	during	ADP
fsr-3705	53	8	the	the	DET
fsr-3705	53	9	accumulation	accumulation	NOUN
fsr-3705	53	10	period	period	NOUN
fsr-3705	53	11	,	,	PUNCT
fsr-3705	53	12	we	we	PRON
fsr-3705	53	13	want	want	VERB
fsr-3705	53	14	to	to	PART
fsr-3705	53	15	identify	identify	VERB
fsr-3705	53	16	the	the	DET
fsr-3705	53	17	accumulated	accumulate	VERB
fsr-3705	53	18	wealth	wealth	NOUN
fsr-3705	53	19	and	and	CCONJ
fsr-3705	53	20	the	the	DET
fsr-3705	53	21	size	size	NOUN
fsr-3705	53	22	of	of	ADP
fsr-3705	53	23	the	the	DET
fsr-3705	53	24	monthly	monthly	ADJ
fsr-3705	53	25	annuity	annuity	NOUN
fsr-3705	53	26	payment	payment	NOUN
fsr-3705	53	27	.	.	PUNCT
fsr-3705	54	1	based	base	VERB
fsr-3705	54	2	on	on	ADP
fsr-3705	54	3	observed	observed	ADJ
fsr-3705	54	4	capital	capital	NOUN
fsr-3705	54	5	market	market	NOUN
fsr-3705	54	6	history	history	NOUN
fsr-3705	54	7	,	,	PUNCT
fsr-3705	54	8	probability	probability	NOUN
fsr-3705	54	9	distributions	distribution	NOUN
fsr-3705	54	10	are	be	AUX
fsr-3705	54	11	deter	deter	NOUN
fsr-3705	54	12	mined	mine	VERB
fsr-3705	54	13	as	as	SCONJ
fsr-3705	54	14	follows	follow	VERB
fsr-3705	54	15	:	:	PUNCT
fsr-3705	54	16	table1	table1	PROPN
fsr-3705	54	17	the	the	DET
fsr-3705	54	18	historkal	historkal	PROPN
fsr-3705	54	19	return	return	PROPN
fsr-3705	54	20	series	series	NOUN
fsr-3705	54	21	common	common	ADJ
fsr-3705	54	22	small	small	ADJ
fsr-3705	54	23	corpomte	corpomte	PROPN
fsr-3705	54	24	treasury	treasury	PROPN
fsr-3705	54	25	treasury	treasury	PROPN
fsr-3705	54	26	statistic	statistic	PROPN
fsr-3705	54	27	stocks	stock	NOUN
fsr-3705	54	28	stocks	stock	VERB
fsr-3705	54	29	bollds	bolld	NOUN
fsr-3705	54	30	bonds	bond	NOUN
fsr-3705	54	31	bills	bill	NOUN
fsr-3705	54	32	mtxll	mtxll	ADJ
fsr-3705	54	33	.0072	.0072	PUNCT
fsr-3705	55	1	.0105	.0105	PROPN
fsr-3705	55	2	.0019	.0019	PUNCT
fsr-3705	56	1	do14	do14	PROPN
fsr-3705	56	2	.0004	.0004	PROPN
fsr-3705	56	3	st	st	PROPN
fsr-3705	56	4	.	.	PROPN
fsr-3705	56	5	dev	dev	PROPN
fsr-3705	56	6	.	.	PUNCT
fsr-3705	57	1	.0589	.0589	PROPN
fsr-3705	57	2	xl902	xl902	PUNCT
fsr-3705	58	1	.0211	.0211	PUNCT
fsr-3705	58	2	.023	.023	NUM
fsr-3705	58	3	1	1	NUM
fsr-3705	58	4	.0057	.0057	NOUN
fsr-3705	58	5	autocorrelation	autocorrelation	NOUN
fsr-3705	58	6	.loll	.loll	NOUN
fsr-3705	59	1	.1557	.1557	INTJ
fsr-3705	59	2	.i992	.i992	PROPN
fsr-3705	60	1	.0891	.0891	PUNCT
fsr-3705	60	2	.5368	.5368	PROPN
fsr-3705	61	1	cross	cross	NOUN
fsr-3705	61	2	correlations	correlation	NOUN
fsr-3705	61	3	small	small	ADJ
fsr-3705	61	4	stocks	stock	NOUN
fsr-3705	61	5	x494	x494	PRON
fsr-3705	61	6	carp	carp	NOUN
fsr-3705	61	7	bonds	bond	NOUN
fsr-3705	61	8	.2383	.2383	INTJ
fsr-3705	61	9	.1895	.1895	PROPN
fsr-3705	61	10	t	t	NOUN
fsr-3705	61	11	-	-	PUNCT
fsr-3705	61	12	bonds	bond	NOUN
fsr-3705	61	13	.1932	.1932	NOUN
fsr-3705	61	14	.1143	.1143	PROPN
fsr-3705	61	15	.8481	.8481	PROPN
fsr-3705	62	1	t	t	PROPN
fsr-3705	62	2	-	-	PUNCT
fsr-3705	62	3	bills	bill	NOUN
fsr-3705	62	4	.0804	.0804	NOUN
fsr-3705	62	5	.o262	.o262	PROPN
fsr-3705	63	1	.3289	.3289	INTJ
fsr-3705	63	2	.3323	.3323	PROPN
fsr-3705	64	1	note	note	NOUN
fsr-3705	64	2	:	:	PUNCT
fsr-3705	64	3	real	real	ADJ
fsr-3705	64	4	monthly	monthly	ADJ
fsr-3705	64	5	time	time	NOUN
fsr-3705	64	6	series	series	NOUN
fsr-3705	64	7	for	for	ADP
fsr-3705	64	8	19264990	19264990	NUM
fsr-3705	64	9	from	from	ADP
fsr-3705	64	10	ibbotson	ibbotson	PROPN
fsr-3705	64	11	associates	associates	PROPN
fsr-3705	64	12	.	.	PUNCT
fsr-3705	65	1	44	44	NUM
fsr-3705	65	2	financlql	financlql	NOUN
fsr-3705	65	3	services	service	NOUN
fsr-3705	65	4	review	review	NOUN
fsr-3705	65	5	,	,	PUNCT
fsr-3705	65	6	2(l	2(l	NUM
fsr-3705	65	7	)	)	PUNCT
fsr-3705	65	8	1992/1993	1992/1993	NUM
fsr-3705	65	9	1	1	NUM
fsr-3705	65	10	.	.	X
fsr-3705	65	11	randomly	randomly	ADV
fsr-3705	65	12	select	select	VERB
fsr-3705	65	13	one	one	NUM
fsr-3705	65	14	of	of	ADP
fsr-3705	65	15	the	the	DET
fsr-3705	65	16	780	780	NUM
fsr-3705	65	17	months	month	NOUN
fsr-3705	65	18	.	.	PUNCT
fsr-3705	66	1	record	record	VERB
fsr-3705	66	2	the	the	DET
fsr-3705	66	3	observed	observed	ADJ
fsr-3705	66	4	real	real	ADJ
fsr-3705	66	5	return	return	NOUN
fsr-3705	66	6	for	for	ADP
fsr-3705	66	7	this	this	DET
fsr-3705	66	8	month	month	NOUN
fsr-3705	66	9	for	for	ADP
fsr-3705	66	10	each	each	DET
fsr-3705	66	11	asset	asset	NOUN
fsr-3705	66	12	class	class	NOUN
fsr-3705	66	13	.	.	PUNCT
fsr-3705	67	1	2	2	X
fsr-3705	67	2	.	.	X
fsr-3705	67	3	do	do	VERB
fsr-3705	67	4	this	this	DET
fsr-3705	67	5	random	random	ADJ
fsr-3705	67	6	selection	selection	NOUN
fsr-3705	67	7	360	360	NUM
fsr-3705	67	8	times	time	NOUN
fsr-3705	67	9	with	with	ADP
fsr-3705	67	10	replacement	replacement	NOUN
fsr-3705	67	11	to	to	PART
fsr-3705	67	12	construct	construct	VERB
fsr-3705	67	13	30	30	NUM
fsr-3705	67	14	years	year	NOUN
fsr-3705	67	15	of	of	ADP
fsr-3705	67	16	monthly	monthly	ADJ
fsr-3705	67	17	returns	return	NOUN
fsr-3705	67	18	.	.	PUNCT
fsr-3705	68	1	3	3	X
fsr-3705	68	2	.	.	X
fsr-3705	68	3	compound	compound	VERB
fsr-3705	68	4	and	and	CCONJ
fsr-3705	68	5	accumulate	accumulate	VERB
fsr-3705	68	6	the	the	DET
fsr-3705	68	7	returns	return	NOUN
fsr-3705	68	8	assuming	assume	VERB
fsr-3705	68	9	additional	additional	ADJ
fsr-3705	68	10	real	real	ADJ
fsr-3705	68	11	monthly	monthly	ADJ
fsr-3705	68	12	investments	investment	NOUN
fsr-3705	68	13	of	of	ADP
fsr-3705	68	14	the	the	DET
fsr-3705	68	15	same	same	ADJ
fsr-3705	68	16	dollar	dollar	NOUN
fsr-3705	68	17	amount	amount	NOUN
fsr-3705	68	18	.	.	PUNCT
fsr-3705	69	1	4	4	X
fsr-3705	69	2	.	.	X
fsr-3705	69	3	do	do	VERB
fsr-3705	69	4	this	this	DET
fsr-3705	69	5	procedure	procedure	NOUN
fsr-3705	69	6	10,000	10,000	NUM
fsr-3705	69	7	times	time	NOUN
fsr-3705	69	8	to	to	PART
fsr-3705	69	9	generate	generate	VERB
fsr-3705	69	10	wealth	wealth	NOUN
fsr-3705	69	11	distributions	distribution	NOUN
fsr-3705	69	12	from	from	ADP
fsr-3705	69	13	the	the	DET
fsr-3705	69	14	observed	observe	VERB
fsr-3705	69	15	history	history	NOUN
fsr-3705	69	16	of	of	ADP
fsr-3705	69	17	real	real	ADJ
fsr-3705	69	18	monthly	monthly	ADJ
fsr-3705	69	19	returns	return	NOUN
fsr-3705	69	20	.	.	PUNCT
fsr-3705	70	1	5	5	X
fsr-3705	70	2	.	.	X
fsr-3705	70	3	divide	divide	VERB
fsr-3705	70	4	the	the	DET
fsr-3705	70	5	ending	end	VERB
fsr-3705	70	6	totals	total	NOUN
fsr-3705	70	7	by	by	ADP
fsr-3705	70	8	an	an	DET
fsr-3705	70	9	annuity	annuity	NOUN
fsr-3705	70	10	factor	factor	NOUN
fsr-3705	70	11	to	to	PART
fsr-3705	70	12	get	get	VERB
fsr-3705	70	13	the	the	DET
fsr-3705	70	14	monthly	monthly	ADJ
fsr-3705	70	15	payments	payment	NOUN
fsr-3705	70	16	th	th	ADP
fsr-3705	70	17	~	~	NOUN
fsr-3705	70	18	ughout	ughout	ADP
fsr-3705	70	19	retirement	retirement	NOUN
fsr-3705	70	20	.	.	PUNCT
fsr-3705	71	1	this	this	DET
fsr-3705	71	2	procedure	procedure	NOUN
fsr-3705	71	3	can	can	AUX
fsr-3705	71	4	easily	easily	ADV
fsr-3705	71	5	be	be	AUX
fsr-3705	71	6	modified	modify	VERB
fsr-3705	71	7	.	.	PUNCT
fsr-3705	72	1	first	first	ADV
fsr-3705	72	2	,	,	PUNCT
fsr-3705	72	3	the	the	DET
fsr-3705	72	4	accumulation	accumulation	NOUN
fsr-3705	72	5	period	period	NOUN
fsr-3705	72	6	in	in	ADP
fsr-3705	72	7	step	step	NOUN
fsr-3705	72	8	2	2	NUM
fsr-3705	72	9	can	can	AUX
fsr-3705	72	10	be	be	AUX
fsr-3705	72	11	shortened	shorten	VERB
fsr-3705	72	12	or	or	CCONJ
fsr-3705	72	13	lengthened	lengthen	VERB
fsr-3705	72	14	.	.	PUNCT
fsr-3705	73	1	the	the	DET
fsr-3705	73	2	next	next	ADJ
fsr-3705	73	3	section	section	NOUN
fsr-3705	73	4	shows	show	VERB
fsr-3705	73	5	results	result	NOUN
fsr-3705	73	6	for	for	ADP
fsr-3705	73	7	10,20,30	10,20,30	NUM
fsr-3705	73	8	,	,	PUNCT
fsr-3705	73	9	and	and	CCONJ
fsr-3705	73	10	40	40	NUM
fsr-3705	73	11	-	-	PUNCT
fsr-3705	73	12	year	year	NOUN
fsr-3705	73	13	accumulation	accumulation	NOUN
fsr-3705	73	14	periods	period	NOUN
fsr-3705	73	15	.	.	PUNCT
fsr-3705	74	1	second	second	ADJ
fsr-3705	74	2	,	,	PUNCT
fsr-3705	74	3	various	various	ADJ
fsr-3705	74	4	asset	asset	NOUN
fsr-3705	74	5	allocation	allocation	NOUN
fsr-3705	74	6	strategies	strategy	NOUN
fsr-3705	74	7	can	can	AUX
fsr-3705	74	8	be	be	AUX
fsr-3705	74	9	considered	consider	VERB
fsr-3705	74	10	,	,	PUNCT
fsr-3705	74	11	using	use	VERB
fsr-3705	74	12	different	different	ADJ
fsr-3705	74	13	mixes	mix	NOUN
fsr-3705	74	14	of	of	ADP
fsr-3705	74	15	the	the	DET
fsr-3705	74	16	asset	asset	NOUN
fsr-3705	74	17	classes	class	NOUN
fsr-3705	74	18	.	.	PUNCT
fsr-3705	75	1	examples	example	NOUN
fsr-3705	75	2	are	be	AUX
fsr-3705	75	3	given	give	VERB
fsr-3705	75	4	in	in	ADP
fsr-3705	75	5	the	the	DET
fsr-3705	75	6	next	next	ADJ
fsr-3705	75	7	section	section	NOUN
fsr-3705	75	8	.	.	PUNCT
fsr-3705	76	1	third	third	ADJ
fsr-3705	76	2	,	,	PUNCT
fsr-3705	76	3	step	step	NOUN
fsr-3705	76	4	3	3	NUM
fsr-3705	76	5	can	can	AUX
fsr-3705	76	6	be	be	AUX
fsr-3705	76	7	modified	modify	VERB
fsr-3705	76	8	to	to	PART
fsr-3705	76	9	allow	allow	VERB
fsr-3705	76	10	changes	change	NOUN
fsr-3705	76	11	in	in	ADP
fsr-3705	76	12	the	the	DET
fsr-3705	76	13	monthly	monthly	ADJ
fsr-3705	76	14	~ves	~ve	NOUN
fsr-3705	76	15	~	~	SYM
fsr-3705	76	16	ent	ent	NOUN
fsr-3705	76	17	amount	amount	NOUN
fsr-3705	76	18	,	,	PUNCT
fsr-3705	76	19	perhaps	perhaps	ADV
fsr-3705	76	20	as	as	ADP
fsr-3705	76	21	real	real	ADJ
fsr-3705	76	22	earnings	earning	NOUN
fsr-3705	76	23	increase	increase	NOUN
fsr-3705	76	24	in	in	ADP
fsr-3705	76	25	later	later	ADJ
fsr-3705	76	26	years	year	NOUN
fsr-3705	76	27	of	of	ADP
fsr-3705	76	28	life	life	NOUN
fsr-3705	76	29	.	.	PUNCT
fsr-3705	77	1	finally	finally	ADV
fsr-3705	77	2	,	,	PUNCT
fsr-3705	77	3	the	the	DET
fsr-3705	77	4	annuity	annuity	NOUN
fsr-3705	77	5	factor	factor	NOUN
fsr-3705	77	6	in	in	ADP
fsr-3705	77	7	step	step	NOUN
fsr-3705	77	8	5	5	NUM
fsr-3705	77	9	can	can	AUX
fsr-3705	77	10	be	be	AUX
fsr-3705	77	11	changed	change	VERB
fsr-3705	77	12	to	to	PART
fsr-3705	77	13	reflect	reflect	VERB
fsr-3705	77	14	different	different	ADJ
fsr-3705	77	15	rates	rate	NOUN
fsr-3705	77	16	of	of	ADP
fsr-3705	77	17	return	return	NOUN
fsr-3705	77	18	.	.	PUNCT
fsr-3705	78	1	iv	iv	X
fsr-3705	78	2	.	.	PUNCT
fsr-3705	78	3	results	result	NOUN
fsr-3705	78	4	distributions	distribution	NOUN
fsr-3705	78	5	of	of	ADP
fsr-3705	78	6	ending	end	VERB
fsr-3705	78	7	wealth	wealth	NOUN
fsr-3705	78	8	(	(	PUNCT
fsr-3705	78	9	i.e.	i.e.	X
fsr-3705	78	10	,	,	PUNCT
fsr-3705	78	11	at	at	ADP
fsr-3705	78	12	the	the	DET
fsr-3705	78	13	end	end	NOUN
fsr-3705	78	14	of	of	ADP
fsr-3705	78	15	the	the	DET
fsr-3705	78	16	accumulation	accumulation	NOUN
fsr-3705	78	17	period	period	NOUN
fsr-3705	78	18	)	)	PUNCT
fsr-3705	78	19	are	be	AUX
fsr-3705	78	20	shown	show	VERB
fsr-3705	78	21	in	in	ADP
fsr-3705	78	22	table	table	NOUN
fsr-3705	78	23	2	2	NUM
fsr-3705	78	24	.	.	PUNCT
fsr-3705	78	25	selected	select	VERB
fsr-3705	78	26	percentiles	percentile	NOUN
fsr-3705	78	27	are	be	AUX
fsr-3705	78	28	given	give	VERB
fsr-3705	78	29	for	for	ADP
fsr-3705	78	30	10	10	NUM
fsr-3705	78	31	,	,	PUNCT
fsr-3705	78	32	20	20	NUM
fsr-3705	78	33	,	,	PUNCT
fsr-3705	78	34	30	30	NUM
fsr-3705	78	35	,	,	PUNCT
fsr-3705	78	36	and	and	CCONJ
fsr-3705	78	37	40	40	NUM
fsr-3705	78	38	-	-	PUNCT
fsr-3705	78	39	year	year	NOUN
fsr-3705	78	40	accumulation	accumulation	NOUN
fsr-3705	78	41	periods	period	NOUN
fsr-3705	78	42	.	.	PUNCT
fsr-3705	79	1	for	for	ADP
fsr-3705	79	2	each	each	PRON
fsr-3705	79	3	of	of	ADP
fsr-3705	79	4	five	five	NUM
fsr-3705	79	5	asset	asset	NOUN
fsr-3705	79	6	classes	class	NOUN
fsr-3705	79	7	,	,	PUNCT
fsr-3705	79	8	the	the	DET
fsr-3705	79	9	values	value	NOUN
fsr-3705	79	10	are	be	AUX
fsr-3705	79	11	ending	end	VERB
fsr-3705	79	12	wealth	wealth	NOUN
fsr-3705	79	13	per	per	ADP
fsr-3705	79	14	dollar	dollar	NOUN
fsr-3705	79	15	of	of	ADP
fsr-3705	79	16	real	real	ADJ
fsr-3705	79	17	monthly	monthly	ADJ
fsr-3705	79	18	contribution	contribution	NOUN
fsr-3705	79	19	.	.	PUNCT
fsr-3705	80	1	consider	consider	VERB
fsr-3705	80	2	the	the	DET
fsr-3705	80	3	illustrative	illustrative	ADJ
fsr-3705	80	4	30	30	NUM
fsr-3705	80	5	-	-	PUNCT
fsr-3705	80	6	year	year	NOUN
fsr-3705	80	7	accumulation	accumulation	NOUN
fsr-3705	80	8	period	period	NOUN
fsr-3705	80	9	discussed	discuss	VERB
fsr-3705	80	10	in	in	ADP
fsr-3705	80	11	the	the	DET
fsr-3705	80	12	previous	previous	ADJ
fsr-3705	80	13	section	section	NOUN
fsr-3705	80	14	.	.	PUNCT
fsr-3705	81	1	at	at	ADP
fsr-3705	81	2	the	the	DET
fsr-3705	81	3	median	median	PROPN
fsr-3705	81	4	(	(	PUNCT
fsr-3705	81	5	fiftieth	fiftieth	ADJ
fsr-3705	81	6	percentile	percentile	PROPN
fsr-3705	81	7	)	)	PUNCT
fsr-3705	81	8	,	,	PUNCT
fsr-3705	81	9	a	a	DET
fsr-3705	81	10	one	one	NUM
fsr-3705	81	11	-	-	PUNCT
fsr-3705	81	12	dollar	dollar	NOUN
fsr-3705	81	13	monthly	monthly	ADJ
fsr-3705	81	14	investment	investment	NOUN
fsr-3705	81	15	in	in	ADP
fsr-3705	81	16	common	common	ADJ
fsr-3705	81	17	stocks	stock	NOUN
fsr-3705	81	18	totals	total	VERB
fsr-3705	81	19	$	$	SYM
fsr-3705	81	20	1,194	1,194	NUM
fsr-3705	81	21	after	after	ADP
fsr-3705	81	22	30	30	NUM
fsr-3705	81	23	years	year	NOUN
fsr-3705	81	24	.	.	PUNCT
fsr-3705	82	1	small	small	ADJ
fsr-3705	82	2	stocks	stock	NOUN
fsr-3705	82	3	produce	produce	VERB
fsr-3705	82	4	more	more	ADJ
fsr-3705	82	5	,	,	PUNCT
fsr-3705	82	6	$	$	SYM
fsr-3705	82	7	1,680	1,680	NUM
fsr-3705	82	8	,	,	PUNCT
fsr-3705	82	9	while	while	SCONJ
fsr-3705	82	10	corporate	corporate	ADJ
fsr-3705	82	11	bonds	bond	NOUN
fsr-3705	82	12	,	,	PUNCT
fsr-3705	82	13	treasury	treasury	NOUN
fsr-3705	82	14	bonds	bond	NOUN
fsr-3705	82	15	,	,	PUNCT
fsr-3705	82	16	and	and	CCONJ
fsr-3705	82	17	treasury	treasury	NOUN
fsr-3705	82	18	bills	bill	NOUN
fsr-3705	82	19	provide	provide	VERB
fsr-3705	82	20	substantially	substantially	ADV
fsr-3705	82	21	less	less	ADJ
fsr-3705	82	22	.	.	PUNCT
fsr-3705	83	1	because	because	SCONJ
fsr-3705	83	2	these	these	PRON
fsr-3705	83	3	are	be	AUX
fsr-3705	83	4	medians	median	NOUN
fsr-3705	83	5	,	,	PUNCT
fsr-3705	83	6	there	there	PRON
fsr-3705	83	7	are	be	VERB
fsr-3705	83	8	equal	equal	ADJ
fsr-3705	83	9	chances	chance	NOUN
fsr-3705	83	10	of	of	ADP
fsr-3705	83	11	getting	get	VERB
fsr-3705	83	12	either	either	CCONJ
fsr-3705	83	13	more	more	ADV
fsr-3705	83	14	or	or	CCONJ
fsr-3705	83	15	less	less	ADJ
fsr-3705	83	16	than	than	ADP
fsr-3705	83	17	these	these	DET
fsr-3705	83	18	amounts	amount	NOUN
fsr-3705	83	19	,	,	PUNCT
fsr-3705	83	20	based	base	VERB
fsr-3705	83	21	on	on	ADP
fsr-3705	83	22	observed	observe	VERB
fsr-3705	83	23	history	history	NOUN
fsr-3705	83	24	.	.	PUNCT
fsr-3705	84	1	the	the	DET
fsr-3705	84	2	distributions	distribution	NOUN
fsr-3705	84	3	for	for	ADP
fsr-3705	84	4	common	common	ADJ
fsr-3705	84	5	stocks	stock	NOUN
fsr-3705	84	6	and	and	CCONJ
fsr-3705	84	7	small	small	ADJ
fsr-3705	84	8	stocks	stock	NOUN
fsr-3705	84	9	are	be	AUX
fsr-3705	84	10	skewed	skewed	ADJ
fsr-3705	84	11	to	to	ADP
fsr-3705	84	12	the	the	DET
fsr-3705	84	13	right	right	NOUN
fsr-3705	84	14	so	so	SCONJ
fsr-3705	84	15	that	that	SCONJ
fsr-3705	84	16	their	their	PRON
fsr-3705	84	17	means	mean	NOUN
fsr-3705	84	18	are	be	AUX
fsr-3705	84	19	substantially	substantially	ADV
fsr-3705	84	20	higher	high	ADJ
fsr-3705	84	21	than	than	ADP
fsr-3705	84	22	their	their	PRON
fsr-3705	84	23	medians.4	medians.4	PROPN
fsr-3705	84	24	this	this	DET
fsr-3705	84	25	probabilistic	probabilistic	ADJ
fsr-3705	84	26	interpretation	interpretation	NOUN
fsr-3705	84	27	can	can	AUX
fsr-3705	84	28	be	be	AUX
fsr-3705	84	29	carried	carry	VERB
fsr-3705	84	30	a	a	DET
fsr-3705	84	31	step	step	NOUN
fsr-3705	84	32	further	far	ADV
fsr-3705	84	33	to	to	PART
fsr-3705	84	34	make	make	VERB
fsr-3705	84	35	relative	relative	ADJ
fsr-3705	84	36	comparisons	comparison	NOUN
fsr-3705	84	37	between	between	ADP
fsr-3705	84	38	stocks	stock	NOUN
fsr-3705	84	39	and	and	CCONJ
fsr-3705	84	40	bonds	bond	NOUN
fsr-3705	84	41	.	.	PUNCT
fsr-3705	85	1	for	for	ADP
fsr-3705	85	2	the	the	DET
fsr-3705	85	3	30	30	NUM
fsr-3705	85	4	-	-	PUNCT
fsr-3705	85	5	year	year	NOUN
fsr-3705	85	6	accumulation	accumulation	NOUN
fsr-3705	85	7	period	period	NOUN
fsr-3705	85	8	,	,	PUNCT
fsr-3705	85	9	the	the	DET
fsr-3705	85	10	common	common	ADJ
fsr-3705	85	11	stock	stock	NOUN
fsr-3705	85	12	distribution	distribution	NOUN
fsr-3705	85	13	crosses	cross	VERB
fsr-3705	85	14	the	the	DET
fsr-3705	85	15	corporate	corporate	ADJ
fsr-3705	85	16	bond	bond	NOUN
fsr-3705	85	17	distribution	distribution	NOUN
fsr-3705	85	18	between	between	ADP
fsr-3705	85	19	the	the	DET
fsr-3705	85	20	3rd	3rd	ADJ
fsr-3705	85	21	and	and	CCONJ
fsr-3705	85	22	4th	4th	ADJ
fsr-3705	85	23	percentiles	percentile	NOUN
fsr-3705	85	24	.	.	PUNCT
fsr-3705	86	1	this	this	PRON
fsr-3705	86	2	implies	imply	VERB
fsr-3705	86	3	a	a	DET
fsr-3705	86	4	less	less	ADJ
fsr-3705	86	5	than	than	ADP
fsr-3705	86	6	four	four	NUM
fsr-3705	86	7	percent	percent	NOUN
fsr-3705	86	8	chance	chance	NOUN
fsr-3705	86	9	of	of	ADP
fsr-3705	86	10	ending	end	VERB
fsr-3705	86	11	up	up	ADP
fsr-3705	86	12	with	with	ADP
fsr-3705	86	13	lower	low	ADJ
fsr-3705	86	14	wealth	wealth	NOUN
fsr-3705	86	15	from	from	ADP
fsr-3705	86	16	diversified	diversified	ADJ
fsr-3705	86	17	common	common	ADJ
fsr-3705	86	18	stock	stock	NOUN
fsr-3705	86	19	investments	investment	NOUN
fsr-3705	86	20	than	than	ADP
fsr-3705	86	21	from	from	ADP
fsr-3705	86	22	corporate	corporate	ADJ
fsr-3705	86	23	bonds	bond	NOUN
fsr-3705	86	24	over	over	ADP
fsr-3705	86	25	a	a	DET
fsr-3705	86	26	30	30	NUM
fsr-3705	86	27	-	-	PUNCT
fsr-3705	86	28	year	year	NOUN
fsr-3705	86	29	accumulation	accumulation	NOUN
fsr-3705	86	30	period	period	NOUN
fsr-3705	86	31	.	.	PUNCT
fsr-3705	87	1	the	the	DET
fsr-3705	87	2	chance	chance	NOUN
fsr-3705	87	3	is	be	AUX
fsr-3705	87	4	even	even	ADV
fsr-3705	87	5	smaller	small	ADJ
fsr-3705	87	6	for	for	ADP
fsr-3705	87	7	common	common	ADJ
fsr-3705	87	8	stocks	stock	NOUN
fsr-3705	87	9	versus	versus	ADP
fsr-3705	87	10	treasury	treasury	NOUN
fsr-3705	87	11	bonds	bond	NOUN
fsr-3705	87	12	,	,	PUNCT
fsr-3705	87	13	since	since	SCONJ
fsr-3705	87	14	these	these	DET
fsr-3705	87	15	distributions	distribution	NOUN
fsr-3705	87	16	cross	cross	VERB
fsr-3705	87	17	at	at	ADP
fsr-3705	87	18	the	the	DET
fsr-3705	87	19	second	second	ADJ
fsr-3705	87	20	percentile	percentile	NOUN
fsr-3705	87	21	.	.	PUNCT
fsr-3705	88	1	with	with	ADP
fsr-3705	88	2	the	the	DET
fsr-3705	88	3	20	20	NUM
fsr-3705	88	4	-	-	PUNCT
fsr-3705	88	5	year	year	NOUN
fsr-3705	88	6	accumulation	accumulation	NOUN
fsr-3705	88	7	period	period	NOUN
fsr-3705	88	8	,	,	PUNCT
fsr-3705	88	9	there	there	PRON
fsr-3705	88	10	is	be	VERB
fsr-3705	88	11	still	still	ADV
fsr-3705	88	12	just	just	ADV
fsr-3705	88	13	a	a	DET
fsr-3705	88	14	small	small	ADJ
fsr-3705	88	15	risk	risk	NOUN
fsr-3705	88	16	that	that	SCONJ
fsr-3705	88	17	common	common	ADJ
fsr-3705	88	18	stocks	stock	NOUN
fsr-3705	88	19	will	will	AUX
fsr-3705	88	20	underperform	underperform	VERB
fsr-3705	88	21	bonds	bond	NOUN
fsr-3705	88	22	.	.	PUNCT
fsr-3705	89	1	it	it	PRON
fsr-3705	89	2	is	be	AUX
fsr-3705	89	3	only	only	ADV
fsr-3705	89	4	when	when	SCONJ
fsr-3705	89	5	the	the	DET
fsr-3705	89	6	accumulation	accumulation	NOUN
fsr-3705	89	7	period	period	NOUN
fsr-3705	89	8	is	be	AUX
fsr-3705	89	9	reduced	reduce	VERB
fsr-3705	89	10	to	to	ADP
fsr-3705	89	11	10	10	NUM
fsr-3705	89	12	years	year	NOUN
fsr-3705	89	13	that	that	SCONJ
fsr-3705	89	14	the	the	DET
fsr-3705	89	15	risk	risk	NOUN
fsr-3705	89	16	is	be	AUX
fsr-3705	89	17	more	more	ADV
fsr-3705	89	18	substantial	substantial	ADJ
fsr-3705	89	19	.	.	PUNCT
fsr-3705	90	1	iiere	iiere	PROPN
fsr-3705	90	2	the	the	DET
fsr-3705	90	3	common	common	ADJ
fsr-3705	90	4	stock	stock	NOUN
fsr-3705	90	5	;	;	PUNCT
fsr-3705	90	6	pofad	pofad	VERB
fsr-3705	90	7	%	%	NOUN
fsr-3705	90	8	u	u	NOUN
fsr-3705	90	9	~	~	SYM
fsr-3705	90	10	p	p	X
fsr-3705	90	11	~	~	VERB
fsr-3705	90	12	oqaqj	oqaqj	ADJ
fsr-3705	90	13	~	~	SYM
fsr-3705	90	14	noq	noq	PROPN
fsr-3705	90	15	~	~	NOUN
fsr-3705	90	16	nojqlspuoqlua	nojqlspuoqlua	PROPN
fsr-3705	90	17	~	~	SYM
fsr-3705	90	18	j	j	PROPN
fsr-3705	90	19	,	,	PUNCT
fsr-3705	90	20	lad~~	lad~~	PROPN
fsr-3705	90	21	pwy3o	pwy3o	PROPN
fsr-3705	90	22	~	~	SYM
fsr-3705	90	23	swa3jad~1	swa3jad~1	NOUN
fsr-3705	90	24	uaarkllaqsaq3)!ms	uaarkllaqsaq3)!ms	NUM
fsr-3705	90	25	lciwopuejq~!q	lciwopuejq~!q	NUM
fsr-3705	90	26	~	~	PUNCT
fsr-3705	90	27	o!lo~~odt!o~	o!lo~~odt!o~	PROPN
fsr-3705	90	28	jo!jadns	jo!jadns	PROPN
fsr-3705	90	29	s	s	PROPN
fsr-3705	90	30	!	!	PUNCT
fsr-3705	90	31	ajn	ajn	PROPN
fsr-3705	90	32	~	~	PROPN
fsr-3705	90	33	x!mploq	x!mploq	PROPN
fsr-3705	90	34	-	-	PUNCT
fsr-3705	90	35	pw	pw	PROPN
fsr-3705	90	36	-	-	PUNCT
fsr-3705	90	37	dnqos_os")eq)smoqs	dnqos_os")eq)smoqs	PROPN
fsr-3705	90	38	(	(	PUNCT
fsr-3705	90	39	0661	0661	NUM
fsr-3705	90	40	)	)	PUNCT
fsr-3705	90	41	uoslanunz?g	uoslanunz?g	NOUN
fsr-3705	90	42	‘	'	PUNCT
fsr-3705	90	43	ajot.ujaqwy	ajot.ujaqwy	PROPN
fsr-3705	90	44	*	*	PUNCT
fsr-3705	90	45	suoyodojd	suoyodojd	PROPN
fsr-3705	90	46	jaylo	jaylo	PROPN
fsr-3705	90	47	aql	aql	PROPN
fsr-3705	90	48	wojj	wojj	VERB
fsr-3705	90	49	ueyl	ueyl	PROPN
fsr-3705	90	50	xy.u	xy.u	PROPN
fsr-3705	90	51	puoq	puoq	NOUN
fsr-3705	90	52	/	/	SYM
fsr-3705	90	53	y	y	PROPN
fsr-3705	90	54	~	~	PUNCT
fsr-3705	90	55	o	o	NOUN
fsr-3705	90	56	~	~	PUNCT
fsr-3705	90	57	s	s	X
fsr-3705	90	58	os_os	os_os	PROPN
fsr-3705	90	59	tz	tz	PROPN
fsr-3705	90	60	way	way	NOUN
fsr-3705	90	61	qqoam	qqoam	PROPN
fsr-3705	90	62	jawj%	jawj%	PUNCT
fsr-3705	90	63	s	s	X
fsr-3705	90	64	!	!	PUNCT
fsr-3705	90	65	ajaq3	ajaq3	NOUN
fsr-3705	91	1	(	(	PUNCT
fsr-3705	91	2	c	c	NOUN
fsr-3705	91	3	alqvl	alqvl	VERB
fsr-3705	91	4	u	u	PROPN
fsr-3705	91	5	!	!	PUNCT
fsr-3705	91	6	alyuawd	alyuawd	PROPN
fsr-3705	91	7	q	q	NOUN
fsr-3705	91	8	,	,	PUNCT
fsr-3705	91	9	jy	jy	PROPN
fsr-3705	91	10	ayl	ayl	PROPN
fsr-3705	91	11	aas	aas	PROPN
fsr-3705	91	12	)	)	PUNCT
fsr-3705	91	13	salyua3	salyua3	PROPN
fsr-3705	91	14	-jad	-jad	PUNCT
fsr-3705	91	15	qwal	qwal	AUX
fsr-3705	91	16	pue	pue	PROPN
fsr-3705	91	17	puo	puo	PROPN
fsr-3705	91	18	=	=	PROPN
fsr-3705	91	19	s	s	PART
fsr-3705	91	20	aql	aql	PROPN
fsr-3705	91	21	uaamlaa	uaamlaa	PROPN
fsr-3705	91	22	'	'	PROPN
fsr-3705	91	23	poyad	poyad	PROPN
fsr-3705	91	24	uo!yqnwnme	uo!yqnwnme	PROPN
fsr-3705	91	25	jealc	jealc	PROPN
fsr-3705	91	26	-	-	PUNCT
fsr-3705	91	27	oc	oc	PROPN
fsr-3705	91	28	e	e	PROPN
fsr-3705	91	29	japyuos	japyuo	VERB
fsr-3705	91	30	os	os	PROPN
fsr-3705	91	31	~	~	PROPN
fsr-3705	91	32	e	e	ADP
fsr-3705	91	33	an22	an22	PROPN
fsr-3705	91	34	alqtzl	alqtzl	VERB
fsr-3705	91	35	wojj	wojj	ADJ
fsr-3705	91	36	suuuqo:,puoqpwy3o	suuuqo:,puoqpwy3o	PROPN
fsr-3705	91	37	~	~	SYM
fsr-3705	91	38	s	s	PART
fsr-3705	91	39	wa3jadpajpunqaug	wa3jadpajpunqaug	ADJ
fsr-3705	91	40	syz'o	syz'o	NOUN
fsr-3705	91	41	~	~	SYM
fsr-3705	91	42	o	o	PROPN
fsr-3705	91	43	uoytq	uoytq	PROPN
fsr-3705	91	44	-ajjo3	-ajjo3	PROPN
fsr-3705	91	45	-	-	PUNCT
fsr-3705	91	46	ssoj3~~q	ssoj3~~q	NOUN
fsr-3705	91	47	~	~	SYM
fsr-3705	91	48	uou.i~	uou.i~	NOUN
fsr-3705	91	49	aheq	aheq	NOUN
fsr-3705	91	50	qxqm‘spuoq	qxqm‘spuoq	ADV
fsr-3705	91	51	wz?jodjo3pw	wz?jodjo3pw	VERB
fsr-3705	91	52	sy3oo)s	sy3oo)s	NUM
fsr-3705	91	53	uouiuio3jo	uouiuio3jo	PROPN
fsr-3705	91	54	sayin	sayin	NOUN
fsr-3705	91	55	aayz	aayz	PROPN
fsr-3705	91	56	~	~	SYM
fsr-3705	91	57	uasardajaan(~smoqs	uasardajaan(~smoqs	PROPN
fsr-3705	91	58	~a1q~~.pax!ruor?aqsassei	~a1q~~.pax!ruor?aqsassei	NUM
fsr-3705	91	59	~	~	SYM
fsr-3705	91	60	lasseaq	lasseaq	NOUN
fsr-3705	91	61	,	,	PUNCT
fsr-3705	91	62	uaa~~aqsuo!~~1ar	uaa~~aqsuo!~~1ar	NOUN
fsr-3705	91	63	-jod	-jod	NOUN
fsr-3705	91	64	-	-	PUNCT
fsr-3705	91	65	ssoj	ssoj	NOUN
fsr-3705	91	66	~	~	SYM
fsr-3705	91	67	moi	moi	X
fsr-3705	91	68	iciaayqaj	iciaayqaj	NOUN
fsr-3705	91	69	=	=	SYM
fsr-3705	91	70	ajaqiuaqm(sa	ajaqiuaqm(sa	PROPN
fsr-3705	91	71	~	~	SYM
fsr-3705	91	72	pua3jad	pua3jad	NOUN
fsr-3705	91	73	~	~	VERB
fsr-3705	91	74	saqz?~qaqiivqqoamsaseaj3ap	saqz?~qaqiivqqoamsaseaj3ap	NOUN
fsr-3705	91	75	mq)uopnqrjis	mq)uopnqrji	NOUN
fsr-3705	91	76	~	~	X
fsr-3705	91	77	paqijosa~~iua	paqijosa~~iua	NOUN
fsr-3705	91	78	~	~	SYM
fsr-3705	91	79	jadisamo	jadisamo	NOUN
fsr-3705	91	80	~	~	NOUN
fsr-3705	91	81	aqiit!qy	aqiit!qy	ADV
fsr-3705	91	82	~	~	VERB
fsr-3705	91	83	amsasear	amsasear	ADJ
fsr-3705	91	84	~	~	PRON
fsr-3705	91	85	ur	ur	PROPN
fsr-3705	91	86	kkw?~sparj!sjaa!p	kkw?~sparj!sjaa!p	PROPN
fsr-3705	91	87	v	v	PROPN
fsr-3705	91	88	wssi?~	wssi?~	NOUN
fsr-3705	91	89	:	:	PUNCT
fsr-3705	91	90	,	,	PUNCT
fsr-3705	91	91	lasse	lasse	PROPN
fsr-3705	91	92	ajow	ajow	PROPN
fsr-3705	91	93	jo	jo	PROPN
fsr-3705	91	94	0~1	0~1	NUM
fsr-3705	92	1	%	%	INTJ
fsr-3705	92	2	uoure	uoure	NOUN
fsr-3705	93	1	pap!a!p	pap!a!p	PROPN
fsr-3705	93	2	/cip.zydll	/cip.zydll	PUNCT
fsr-3705	93	3	ajv	ajv	PROPN
fsr-3705	93	4	suoynq~~uo3	suoynq~~uo3	NOUN
fsr-3705	93	5	‘	'	PUNCT
fsr-3705	93	6	pw$sui	pw$sui	VERB
fsr-3705	93	7	'	'	PUNCT
fsr-3705	93	8	t&m	t&m	PROPN
fsr-3705	93	9	s!ql	s!ql	PROPN
fsr-3705	93	10	aa&?qaq	aa&?qaq	PROPN
fsr-3705	93	11	sjolsaau	sjolsaau	NOUN
fsr-3705	93	12	!	!	PUNCT
fsr-3705	94	1	ma3	ma3	PROPN
fsr-3705	95	1	‘	'	PUNCT
fsr-3705	95	2	jaaamoh	jaaamoh	NOUN
fsr-3705	95	3	*	*	PUNCT
fsr-3705	95	4	povad	povad	NOUN
fsr-3705	95	5	uo!~l?~nuin33	uo!~l?~nuin33	PROPN
fsr-3705	95	6	&	&	CCONJ
fsr-3705	95	7	?	?	PUNCT
fsr-3705	96	1	aj!lua	aj!lua	PROPN
fsr-3705	96	2	aql	aql	PROPN
fsr-3705	96	3	jaao	jaao	PROPN
fsr-3705	96	4	sse13	sse13	PROPN
fsr-3705	96	5	passe	passe	NOUN
fsr-3705	96	6	a@.qs	a@.qs	PROPN
fsr-3705	96	7	t	t	PROPN
fsr-3705	96	8	!	!	PROPN
fsr-3705	96	9	01	01	NUM
fsr-3705	97	1	apw.u	apw.u	PROPN
fsr-3705	97	2	suoynqyuo3	suoynqyuo3	X
fsr-3705	97	3	uo	uo	PROPN
fsr-3705	97	4	paseq	paseq	VERB
fsr-3705	97	5	a	a	PRON
fsr-3705	97	6	~	~	PROPN
fsr-3705	97	7	v	v	X
fsr-3705	97	8	sajnq	sajnq	VERB
fsr-3705	97	9	2	2	NUM
fsr-3705	97	10	a1qvl	a1qvl	NOUN
fsr-3705	97	11	aql	aql	PROPN
fsr-3705	97	12	*	*	PROPN
fsr-3705	97	13	afiya3jadqiggl	afiya3jadqiggl	PROPN
fsr-3705	97	14	aqiitz	aqiitz	PROPN
fsr-3705	97	15	spuoqaajodro3	spuoqaajodro3	NOUN
fsr-3705	97	16	sso~3sy3ois	sso~3sy3ois	X
fsr-3705	97	17	~0~1~03	~0~1~03	X
fsr-3705	97	18	put	put	VERB
fsr-3705	97	19	!	!	PUNCT
fsr-3705	98	1	‘	'	PUNCT
fsr-3705	98	2	apyxa3jad	apyxa3jad	X
fsr-3705	98	3	~21	~21	PUNCT
fsr-3705	98	4	aql	aql	PROPN
fsr-3705	98	5	ii	ii	PROPN
fsr-3705	98	6	?	?	PUNCT
fsr-3705	99	1	uoynqys!p	uoynqys!p	PROPN
fsr-3705	99	2	puoq	puoq	VERB
fsr-3705	99	3	hmseaj~	hmseaj~	PROPN
fsr-3705	99	4	aqi	aqi	PROPN
fsr-3705	99	5	sassoj3	sassoj3	PROPN
fsr-3705	99	6	uoynq!jwp	uoynq!jwp	PROPN
fsr-3705	99	7	zo9	zo9	PROPN
fsr-3705	99	8	09s	09s	X
fsr-3705	100	1	ees	ees	PROPN
fsr-3705	100	2	80s	80	NOUN
fsr-3705	100	3	olp	olp	PROPN
fsr-3705	100	4	zep	zep	PROPN
fsr-3705	100	5	lop	lop	PROPN
fsr-3705	100	6	06s	06s	PROPN
fsr-3705	100	7	ele	ele	PROPN
fsr-3705	100	8	ose	ose	PROPN
fsr-3705	100	9	plz	plz	INTJ
fsr-3705	100	10	z9z	z9z	PROPN
fsr-3705	100	11	esz	esz	PROPN
fsr-3705	100	12	ppz	ppz	PROPN
fsr-3705	100	13	zez	zez	PROPN
fsr-3705	100	14	oei	oei	PROPN
fsr-3705	100	15	911	911	NUM
fsr-3705	100	16	ezi	ezi	NOUN
fsr-3705	100	17	ozi	ozi	PROPN
fsr-3705	100	18	911	911	NUM
fsr-3705	100	19	zii'i	zii'i	NUM
fsr-3705	100	20	so8	so8	ADJ
fsr-3705	100	21	os9	os9	PROPN
fsr-3705	100	22	8zs	8zs	PROPN
fsr-3705	100	23	96s	96	NOUN
fsr-3705	100	24	60l	60l	NOUN
fsr-3705	100	25	ik	ik	PROPN
fsr-3705	100	26	8pp	8pp	ADJ
fsr-3705	100	27	8le	8le	NOUN
fsr-3705	100	28	96z	96z	NOUN
fsr-3705	100	29	66e	66e	ADP
fsr-3705	100	30	ize	ize	PROPN
fsr-3705	100	31	llz	llz	PROPN
fsr-3705	100	32	ipz	ipz	VERB
fsr-3705	100	33	661	661	NUM
fsr-3705	100	34	991	991	NUM
fsr-3705	100	35	et1	et1	NOUN
fsr-3705	100	36	621	621	NUM
fsr-3705	100	37	lii	lii	PROPN
fsr-3705	100	38	zoi	zoi	PROPN
fsr-3705	100	39	6ez'i	6ez'i	X
fsr-3705	100	40	lo6	lo6	PROPN
fsr-3705	100	41	zpl	zpl	X
fsr-3705	100	42	019	019	NUM
fsr-3705	101	1	999	999	NUM
fsr-3705	101	2	lsl	lsl	VERB
fsr-3705	101	3	985	985	NUM
fsr-3705	101	4	96p	96p	NOUN
fsr-3705	101	5	ezp	ezp	ADP
fsr-3705	101	6	pee	pee	NOUN
fsr-3705	101	7	sip	sip	NOUN
fsr-3705	101	8	8ee	8ee	ADJ
fsr-3705	101	9	96z	96z	NOUN
fsr-3705	101	10	6sz	6sz	NOUN
fsr-3705	101	11	91z	91z	NUM
fsr-3705	101	12	891	891	NUM
fsr-3705	101	13	spi	spi	PROPN
fsr-3705	101	14	eei	eei	PROPN
fsr-3705	101	15	izi	izi	PROPN
fsr-3705	101	16	lo1	lo1	PROPN
fsr-3705	101	17	lz6‘zs	lz6‘zs	ADV
fsr-3705	101	18	8sp’i	8sp’i	PROPN
fsr-3705	102	1	i	i	PRON
fsr-3705	102	2	ewp	ewp	VERB
fsr-3705	102	3	tlr1	tlr1	PROPN
fsr-3705	102	4	099	099	NUM
fsr-3705	102	5	pp!tpi	pp!tpi	PROPN
fsr-3705	102	6	pzs‘e	pzs‘e	NOUN
fsr-3705	102	7	089	089	NOUN
fsr-3705	102	8	‘	'	PUNCT
fsr-3705	102	9	i	i	PRON
fsr-3705	102	10	zsl	zsl	VERB
fsr-3705	102	11	e8z	e8z	X
fsr-3705	102	12	sse‘e	sse‘e	PROPN
fsr-3705	102	13	zez'i	zez'i	PROPN
fsr-3705	102	14	8e9	8e9	NUM
fsr-3705	102	15	ose	ose	NOUN
fsr-3705	102	16	191	191	NUM
fsr-3705	102	17	l9s	l9s	X
fsr-3705	102	18	p6z	p6z	X
fsr-3705	102	19	061	061	NUM
fsr-3705	102	20	6211	6211	NUM
fsr-3705	102	21	9l	9l	NOUN
fsr-3705	102	22	esz'ei	esz'ei	PROPN
fsr-3705	102	23	s6	s6	PROPN
fsr-3705	102	24	018‘p	018‘p	NUM
fsr-3705	102	25	sl	sl	INTJ
fsr-3705	102	26	zis‘z	zis‘z	NUM
fsr-3705	102	27	os	os	NOUN
fsr-3705	102	28	'	'	PUNCT
fsr-3705	102	29	=	=	SYM
fsr-3705	102	30	aop	aop	PROPN
fsr-3705	102	31	we‘1	we‘1	PROPN
fsr-3705	102	32	sz	sz	PROPN
fsr-3705	102	33	285	285	NUM
fsr-3705	102	34	s	s	PART
fsr-3705	102	35	l69‘p	l69‘p	X
fsr-3705	102	36	s6	s6	PROPN
fsr-3705	102	37	sso‘z	sso‘z	PROPN
fsr-3705	102	38	sl	sl	PROPN
fsr-3705	102	39	v61‘1	v61‘1	PROPN
fsr-3705	102	40	os	os	PROPN
fsr-3705	102	41	sil	sil	PROPN
fsr-3705	102	42	sz	sz	PROPN
fsr-3705	102	43	e9e	e9e	PROPN
fsr-3705	102	44	s	s	PART
fsr-3705	102	45	sw	sw	NOUN
fsr-3705	102	46	i	i	PRON
fsr-3705	102	47	56	56	NUM
fsr-3705	102	48	z8l	z8l	NUM
fsr-3705	102	49	sl	sl	ADP
fsr-3705	102	50	sis	sis	PROPN
fsr-3705	102	51	os	os	PROPN
fsr-3705	102	52	spe	spe	PROPN
fsr-3705	102	53	sz	sz	PROPN
fsr-3705	102	54	zoz	zoz	PROPN
fsr-3705	102	55	s	s	PART
fsr-3705	102	56	‘	'	PUNCT
fsr-3705	102	57	=	=	NOUN
fsr-3705	102	58	a	a	DET
fsr-3705	102	59	oe	oe	NOUN
fsr-3705	102	60	‘	'	PUNCT
fsr-3705	102	61	=	=	NOUN
fsr-3705	102	62	a	a	PRON
fsr-3705	102	63	oz	oz	X
fsr-3705	102	64	spe	spe	PROPN
fsr-3705	102	65	s6	s6	PROPN
fsr-3705	102	66	8zz	8zz	PROPN
fsr-3705	103	1	sl	sl	VERB
fsr-3705	103	2	eli	eli	PROPN
fsr-3705	103	3	os	os	NOUN
fsr-3705	103	4	‘	'	PUNCT
fsr-3705	103	5	=	=	NOUN
fsr-3705	103	6	a	a	DET
fsr-3705	103	7	01	01	NUM
fsr-3705	103	8	eei	eei	NOUN
fsr-3705	103	9	sz	sz	PROPN
fsr-3705	103	10	26	26	NUM
fsr-3705	103	11	s	s	PART
fsr-3705	103	12	46	46	NUM
fsr-3705	103	13	financial	financial	ADJ
fsr-3705	103	14	services	service	NOUN
fsr-3705	103	15	renew	renew	VERB
fsr-3705	103	16	,	,	PUNCT
fsr-3705	103	17	2(l	2(l	NUM
fsr-3705	103	18	)	)	PUNCT
fsr-3705	103	19	l!mul!w3	l!mul!w3	NOUN
fsr-3705	103	20	table	table	NOUN
fsr-3705	103	21	3	3	NUM
fsr-3705	103	22	probability	probability	NOUN
fsr-3705	103	23	distributions	distribution	NOUN
fsr-3705	103	24	of	of	ADP
fsr-3705	103	25	ending	end	VERB
fsr-3705	103	26	weakb	weakb	NOUN
fsr-3705	103	27	for	for	ADP
fsr-3705	103	28	stock	stock	NOUN
fsr-3705	103	29	/	/	SYM
fsr-3705	103	30	bond	bond	NOUN
fsr-3705	103	31	mixes	mix	VERB
fsr-3705	103	32	asset	asset	NOUN
fsr-3705	103	33	allocation	allocation	NOUN
fsr-3705	103	34	of	of	ADP
fsr-3705	103	35	contributions	contribution	NOUN
fsr-3705	103	36	to	to	ADP
fsr-3705	103	37	each	each	DET
fsr-3705	103	38	asset	asset	NOUN
fsr-3705	103	39	stock	stock	NOUN
fsr-3705	103	40	:	:	PUNCT
fsr-3705	103	41	100	100	NUM
fsr-3705	103	42	%	%	NOUN
fsr-3705	103	43	75	75	NUM
fsr-3705	103	44	%	%	NOUN
fsr-3705	103	45	50	50	NUM
fsr-3705	103	46	%	%	NOUN
fsr-3705	103	47	25	25	NUM
fsr-3705	103	48	%	%	NOUN
fsr-3705	103	49	accum	accum	PROPN
fsr-3705	103	50	.	.	PUNCT
fsr-3705	104	1	period	period	NOUN
fsr-3705	104	2	qile	qile	ADJ
fsr-3705	104	3	bonds	bond	NOUN
fsr-3705	104	4	:	:	PUNCT
fsr-3705	104	5	25	25	NUM
fsr-3705	104	6	%	%	NOUN
fsr-3705	104	7	50	50	NUM
fsr-3705	104	8	%	%	NOUN
fsr-3705	104	9	75	75	NUM
fsr-3705	104	10	%	%	NOUN
fsr-3705	104	11	io@%	io@%	PROPN
fsr-3705	104	12	10	10	NUM
fsr-3705	104	13	yrs	yr	NOUN
fsr-3705	104	14	.	.	PROPN
fsr-3705	104	15	20	20	NUM
fsr-3705	104	16	yrs	yr	NOUN
fsr-3705	104	17	.	.	PROPN
fsr-3705	104	18	30	30	NUM
fsr-3705	104	19	yrs	yr	NOUN
fsr-3705	104	20	.	.	PROPN
fsr-3705	104	21	40	40	NUM
fsr-3705	104	22	yrs	yr	NOUN
fsr-3705	104	23	.	.	PROPN
fsr-3705	105	1	5	5	NUM
fsr-3705	105	2	92	92	NUM
fsr-3705	105	3	loo	loo	NOUN
fsr-3705	105	4	108	108	NUM
fsr-3705	105	5	113	113	NUM
fsr-3705	105	6	116	116	NUM
fsr-3705	105	7	25	25	NUM
fsr-3705	105	8	133	133	NUM
fsr-3705	105	9	134	134	NUM
fsr-3705	105	10	133	133	NUM
fsr-3705	105	11	130	130	NUM
fsr-3705	105	12	120	120	NUM
fsr-3705	105	13	50	50	NUM
fsr-3705	105	14	173	173	NUM
fsr-3705	105	15	165	165	NUM
fsr-3705	105	16	155	155	NUM
fsr-3705	105	17	144	144	NUM
fsr-3705	105	18	123	123	NUM
fsr-3705	105	19	75	75	NUM
fsr-3705	105	20	228	228	NUM
fsr-3705	105	21	204	204	NUM
fsr-3705	105	22	180	180	NUM
fsr-3705	105	23	161	161	NUM
fsr-3705	105	24	126	126	NUM
fsr-3705	105	25	95	95	NUM
fsr-3705	105	26	345	345	NUM
fsr-3705	105	27	277	277	NUM
fsr-3705	105	28	227	227	NUM
fsr-3705	105	29	189	189	NUM
fsr-3705	105	30	130	130	NUM
fsr-3705	105	31	5	5	NUM
fsr-3705	105	32	202	202	NUM
fsr-3705	105	33	25	25	NUM
fsr-3705	105	34	345	345	NUM
fsr-3705	105	35	50	50	NUM
fsr-3705	105	36	515	515	NUM
fsr-3705	105	37	75	75	NUM
fsr-3705	105	38	782	782	NUM
fsr-3705	105	39	95	95	NUM
fsr-3705	105	40	1,458	1,458	NUM
fsr-3705	105	41	5	5	NUM
fsr-3705	105	42	363	363	NUM
fsr-3705	105	43	25	25	NUM
fsr-3705	105	44	715	715	NUM
fsr-3705	105	45	50	50	NUM
fsr-3705	105	46	1,194	1,194	NUM
fsr-3705	105	47	75	75	NUM
fsr-3705	105	48	2,055	2,055	NUM
fsr-3705	105	49	95	95	NUM
fsr-3705	105	50	4,697	4,697	NUM
fsr-3705	105	51	5	5	NUM
fsr-3705	105	52	582	582	NUM
fsr-3705	105	53	25	25	NUM
fsr-3705	105	54	1,346	1,346	NUM
fsr-3705	105	55	50	50	NUM
fsr-3705	105	56	2512	2512	NUM
fsr-3705	105	57	75	75	NUM
fsr-3705	105	58	4,810	4,810	NUM
fsr-3705	105	59	95	95	NUM
fsr-3705	105	60	13,253	13,253	NUM
fsr-3705	105	61	227	227	NUM
fsr-3705	105	62	242	242	NUM
fsr-3705	105	63	344	344	NUM
fsr-3705	105	64	327	327	NUM
fsr-3705	105	65	462	462	NUM
fsr-3705	105	66	405	405	NUM
fsr-3705	105	67	637	637	NUM
fsr-3705	105	68	511	511	NUM
fsr-3705	105	69	1,042	1,042	NUM
fsr-3705	105	70	729	729	NUM
fsr-3705	105	71	243	243	NUM
fsr-3705	105	72	299	299	NUM
fsr-3705	105	73	z	z	NOUN
fsr-3705	105	74	523	523	NUM
fsr-3705	105	75	232	232	NUM
fsr-3705	105	76	244	244	NUM
fsr-3705	105	77	253	253	NUM
fsr-3705	105	78	262	262	NUM
fsr-3705	105	79	274	274	NUM
fsr-3705	105	80	3	3	NUM
fsr-3705	105	81	%	%	NOUN
fsr-3705	105	82	413	413	NUM
fsr-3705	105	83	397	397	NUM
fsr-3705	105	84	670	670	NUM
fsr-3705	105	85	610	610	NUM
fsr-3705	105	86	526	526	NUM
fsr-3705	105	87	989	989	NUM
fsr-3705	105	88	808	808	NUM
fsr-3705	105	89	638	638	NUM
fsr-3705	105	90	1,491	1,491	NUM
fsr-3705	105	91	1,080	1,080	NUM
fsr-3705	105	92	785	785	NUM
fsr-3705	105	93	2,820	2,820	NUM
fsr-3705	105	94	1,688	1,688	NUM
fsr-3705	105	95	1,061	1,061	NUM
fsr-3705	105	96	350	350	NUM
fsr-3705	105	97	373	373	NUM
fsr-3705	105	98	e	e	NOUN
fsr-3705	105	99	432	432	NUM
fsr-3705	105	100	665	665	NUM
fsr-3705	105	101	671	671	NUM
fsr-3705	105	102	615	615	NUM
fsr-3705	105	103	470	470	NUM
fsr-3705	105	104	1230	1230	NUM
fsr-3705	105	105	1,053	1,053	NUM
fsr-3705	105	106	845	845	NUM
fsr-3705	105	107	508	508	NUM
fsr-3705	105	108	1,980	1,980	NUM
fsr-3705	105	109	1,488	1,488	NUM
fsr-3705	105	110	1,058	1,058	NUM
fsr-3705	105	111	533	533	NUM
fsr-3705	105	112	3,237	3,237	NUM
fsr-3705	105	113	2,094	2,094	NUM
fsr-3705	105	114	1,350	1,350	NUM
fsr-3705	105	115	560	560	NUM
fsr-3705	105	116	6,901	6,901	NUM
fsr-3705	105	117	3.588	3.588	NUM
fsr-3705	105	118	1,923	1,923	NUM
fsr-3705	105	119	602	602	NUM
fsr-3705	105	120	nore	nore	ADJ
fsr-3705	105	121	:	:	PUNCT
fsr-3705	105	122	ending	end	VERB
fsr-3705	105	123	wealth	wealth	NOUN
fsr-3705	105	124	per	per	ADP
fsr-3705	105	125	dollar	dollar	NOUN
fsr-3705	105	126	of	of	ADP
fsr-3705	105	127	real	real	ADJ
fsr-3705	105	128	monthly	monthly	ADJ
fsr-3705	105	129	contribution	contribution	NOUN
fsr-3705	105	130	over	over	ADP
fsr-3705	105	131	n	n	CCONJ
fsr-3705	105	132	-	-	PUNCT
fsr-3705	105	133	year	year	NOUN
fsr-3705	105	134	(	(	PUNCT
fsr-3705	105	135	n	n	NOUN
fsr-3705	105	136	=	=	SYM
fsr-3705	105	137	io	io	PROPN
fsr-3705	105	138	,	,	PUNCT
fsr-3705	105	139	20	20	NUM
fsr-3705	105	140	,	,	PUNCT
fsr-3705	105	141	30	30	NUM
fsr-3705	105	142	,	,	PUNCT
fsr-3705	105	143	40	40	NUM
fsr-3705	105	144	)	)	PUNCT
fsr-3705	105	145	accumulation	accumulation	NOUN
fsr-3705	105	146	periods	period	NOUN
fsr-3705	105	147	.	.	PUNCT
fsr-3705	106	1	contributions	contribution	NOUN
fsr-3705	106	2	are	be	AUX
fsr-3705	106	3	allocated	allocate	VERB
fsr-3705	106	4	between	between	ADP
fsr-3705	106	5	common	common	ADJ
fsr-3705	106	6	stock	stock	NOUN
fsr-3705	106	7	and	and	CCONJ
fsr-3705	106	8	corporate	corporate	ADJ
fsr-3705	106	9	bonds	bond	NOUN
fsr-3705	106	10	.	.	PUNCT
fsr-3705	107	1	asset	asset	NOUN
fsr-3705	107	2	allocations	allocation	NOUN
fsr-3705	107	3	between	between	ADP
fsr-3705	107	4	other	other	ADJ
fsr-3705	107	5	security	security	NOUN
fsr-3705	107	6	classes	class	NOUN
fsr-3705	107	7	have	have	VERB
fsr-3705	107	8	less	less	ADV
fsr-3705	107	9	interesting	interesting	ADJ
fsr-3705	107	10	results	result	NOUN
fsr-3705	107	11	.	.	PUNCT
fsr-3705	108	1	common	common	ADJ
fsr-3705	108	2	stocks	stock	NOUN
fsr-3705	108	3	and	and	CCONJ
fsr-3705	108	4	small	small	ADJ
fsr-3705	108	5	stocks	stock	NOUN
fsr-3705	108	6	have	have	VERB
fsr-3705	108	7	a	a	DET
fsr-3705	108	8	.85	.85	NUM
fsr-3705	108	9	correlation	correlation	NOUN
fsr-3705	108	10	,	,	PUNCT
fsr-3705	108	11	so	so	CCONJ
fsr-3705	108	12	there	there	PRON
fsr-3705	108	13	is	be	VERB
fsr-3705	108	14	little	little	ADJ
fsr-3705	108	15	risk	risk	NOUN
fsr-3705	108	16	reduction	reduction	NOUN
fsr-3705	108	17	benefit	benefit	NOUN
fsr-3705	108	18	through	through	ADP
fsr-3705	108	19	diversification	diversification	NOUN
fsr-3705	108	20	.	.	PUNCT
fsr-3705	109	1	because	because	SCONJ
fsr-3705	109	2	of	of	ADP
fsr-3705	109	3	this	this	DET
fsr-3705	109	4	relatively	relatively	ADV
fsr-3705	109	5	high	high	ADJ
fsr-3705	109	6	correlation	correlation	NOUN
fsr-3705	109	7	,	,	PUNCT
fsr-3705	109	8	wealth	wealth	NOUN
fsr-3705	109	9	at	at	ADP
fsr-3705	109	10	each	each	DET
fsr-3705	109	11	percentile	percentile	NOUN
fsr-3705	109	12	of	of	ADP
fsr-3705	109	13	the	the	DET
fsr-3705	109	14	logon	logon	PROPN
fsr-3705	109	15	stock	stock	NOUN
fsr-3705	109	16	/	/	SYM
fsr-3705	109	17	small	small	ADJ
fsr-3705	109	18	stock	stock	NOUN
fsr-3705	109	19	dist	dist	NOUN
fsr-3705	109	20	~	~	SYM
fsr-3705	109	21	bution	bution	NOUN
fsr-3705	109	22	is	be	AUX
fsr-3705	109	23	approxi	approxi	VERB
fsr-3705	109	24	mately	mately	ADV
fsr-3705	109	25	equal	equal	ADJ
fsr-3705	109	26	to	to	ADP
fsr-3705	109	27	the	the	DET
fsr-3705	109	28	weighted	weighted	ADJ
fsr-3705	109	29	average	average	NOUN
fsr-3705	109	30	of	of	ADP
fsr-3705	109	31	wealth	wealth	NOUN
fsr-3705	109	32	at	at	ADP
fsr-3705	109	33	the	the	DET
fsr-3705	109	34	same	same	ADJ
fsr-3705	109	35	percentiles	percentile	NOUN
fsr-3705	109	36	of	of	ADP
fsr-3705	109	37	the	the	DET
fsr-3705	109	38	single	single	ADJ
fsr-3705	109	39	-	-	PUNCT
fsr-3705	109	40	asset	asset	NOUN
fsr-3705	109	41	distributions	distribution	NOUN
fsr-3705	109	42	.	.	PUNCT
fsr-3705	110	1	a	a	DET
fsr-3705	110	2	similar	similar	ADJ
fsr-3705	110	3	result	result	NOUN
fsr-3705	110	4	is	be	AUX
fsr-3705	110	5	obtained	obtain	VERB
fsr-3705	110	6	for	for	ADP
fsr-3705	110	7	mixtures	mixture	NOUN
fsr-3705	110	8	of	of	ADP
fsr-3705	110	9	stock	stock	NOUN
fsr-3705	110	10	and	and	CCONJ
fsr-3705	110	11	treasury	treasury	NOUN
fsr-3705	110	12	bills	bill	NOUN
fsr-3705	110	13	,	,	PUNCT
fsr-3705	110	14	despite	despite	SCONJ
fsr-3705	110	15	their	their	PRON
fsr-3705	110	16	near	near	ADV
fsr-3705	110	17	-	-	PUNCT
fsr-3705	110	18	zero	zero	NUM
fsr-3705	110	19	correlation	correlation	NOUN
fsr-3705	110	20	.	.	PUNCT
fsr-3705	111	1	real	real	ADJ
fsr-3705	111	2	monthly	monthly	ADJ
fsr-3705	111	3	t	t	PROPN
fsr-3705	111	4	-	-	PUNCT
fsr-3705	111	5	bill	bill	NOUN
fsr-3705	111	6	returns	return	NOUN
fsr-3705	111	7	have	have	AUX
fsr-3705	111	8	stayed	stay	VERB
fsr-3705	111	9	near	near	ADP
fsr-3705	111	10	zero	zero	NUM
fsr-3705	111	11	for	for	ADP
fsr-3705	111	12	most	most	ADJ
fsr-3705	111	13	of	of	ADP
fsr-3705	111	14	the	the	DET
fsr-3705	111	15	1926	1926	NUM
fsr-3705	111	16	-	-	SYM
fsr-3705	111	17	1990	1990	NUM
fsr-3705	111	18	period	period	NOUN
fsr-3705	111	19	.	.	PUNCT
fsr-3705	112	1	the	the	DET
fsr-3705	112	2	small	small	ADJ
fsr-3705	112	3	standard	standard	ADJ
fsr-3705	112	4	deviation	deviation	NOUN
fsr-3705	112	5	in	in	ADP
fsr-3705	112	6	the	the	DET
fsr-3705	112	7	treasury	treasury	PROPN
fsr-3705	112	8	bill	bill	PROPN
fsr-3705	112	9	time	time	PROPN
fsr-3705	112	10	series	series	PROPN
fsr-3705	112	11	results	result	VERB
fsr-3705	112	12	in	in	ADP
fsr-3705	112	13	a	a	DET
fsr-3705	112	14	near	near	ADJ
fsr-3705	112	15	-	-	PUNCT
fsr-3705	112	16	linear	linear	NOUN
fsr-3705	112	17	increase	increase	NOUN
fsr-3705	112	18	in	in	ADP
fsr-3705	112	19	both	both	PRON
fsr-3705	112	20	expected	expect	VERB
fsr-3705	112	21	return	return	NOUN
fsr-3705	112	22	and	and	CCONJ
fsr-3705	112	23	standard	standard	ADJ
fsr-3705	112	24	deviation	deviation	NOUN
fsr-3705	112	25	as	as	SCONJ
fsr-3705	112	26	greater	great	ADJ
fsr-3705	112	27	proportions	proportion	NOUN
fsr-3705	112	28	of	of	ADP
fsr-3705	112	29	wealth	wealth	NOUN
fsr-3705	112	30	are	be	AUX
fsr-3705	112	31	placed	place	VERB
fsr-3705	112	32	in	in	ADP
fsr-3705	112	33	risky	risky	ADJ
fsr-3705	112	34	stock	stock	NOUN
fsr-3705	112	35	.	.	PUNCT
fsr-3705	113	1	many	many	ADJ
fsr-3705	113	2	brokerage	brokerage	NOUN
fsr-3705	113	3	services	service	NOUN
fsr-3705	113	4	and	and	CCONJ
fsr-3705	113	5	financial	financial	ADJ
fsr-3705	113	6	planners	planner	NOUN
fsr-3705	113	7	advocate	advocate	VERB
fsr-3705	113	8	investment	investment	NOUN
fsr-3705	113	9	in	in	ADP
fsr-3705	113	10	com	com	NOUN
fsr-3705	113	11	mon	mon	PROPN
fsr-3705	113	12	stock	stock	NOUN
fsr-3705	113	13	early	early	ADV
fsr-3705	113	14	in	in	ADP
fsr-3705	113	15	one	one	NUM
fsr-3705	113	16	’s	’s	PART
fsr-3705	113	17	career	career	NOUN
fsr-3705	113	18	with	with	ADP
fsr-3705	113	19	a	a	DET
fsr-3705	113	20	gradual	gradual	ADJ
fsr-3705	113	21	shift	shift	NOUN
fsr-3705	113	22	to	to	ADP
fsr-3705	113	23	bonds	bond	NOUN
fsr-3705	113	24	as	as	ADP
fsr-3705	113	25	retirement	retirement	NOUN
fsr-3705	113	26	ap	ap	PROPN
fsr-3705	113	27	proaches	proaches	PROPN
fsr-3705	113	28	,	,	PUNCT
fsr-3705	113	29	the	the	DET
fsr-3705	113	30	~tirement	~tirement	NOUN
fsr-3705	113	31	-	-	PUNCT
fsr-3705	113	32	we	we	PRON
fsr-3705	113	33	~	~	X
fsr-3705	113	34	th	th	PRON
fsr-3705	113	35	effects	effect	NOUN
fsr-3705	113	36	of	of	ADP
fsr-3705	113	37	several	several	ADJ
fsr-3705	113	38	versions	version	NOUN
fsr-3705	113	39	of	of	ADP
fsr-3705	113	40	this	this	DET
fsr-3705	113	41	strategy	strategy	NOUN
fsr-3705	113	42	are	be	AUX
fsr-3705	113	43	illustrated	illustrate	VERB
fsr-3705	113	44	in	in	ADP
fsr-3705	113	45	table	table	NOUN
fsr-3705	113	46	4	4	NUM
fsr-3705	113	47	for	for	ADP
fsr-3705	113	48	a	a	DET
fsr-3705	113	49	30	30	NUM
fsr-3705	113	50	-	-	PUNCT
fsr-3705	113	51	year	year	NOUN
fsr-3705	113	52	accumulation	accumulation	NOUN
fsr-3705	113	53	period	period	NOUN
fsr-3705	113	54	.	.	PUNCT
fsr-3705	114	1	long	long	ADV
fsr-3705	114	2	-	-	PUNCT
fsr-3705	114	3	run	run	NOUN
fsr-3705	114	4	returns	return	NOUN
fsr-3705	114	5	on	on	ADP
fsr-3705	114	6	stock	stock	NOUN
fsr-3705	114	7	and	and	CCONJ
fsr-3705	114	8	rod	rod	NOUN
fsr-3705	114	9	porifdbs	porifdb	NOUN
fsr-3705	114	10	47	47	NUM
fsr-3705	114	11	table	table	NOUN
fsr-3705	114	12	4	4	NUM
fsr-3705	114	13	chmging	chmge	VERB
fsr-3705	114	14	the	the	DET
fsr-3705	114	15	stock	stock	NOUN
fsr-3705	114	16	-	-	PUNCT
fsr-3705	114	17	bond	bond	NOUN
fsr-3705	114	18	mix	mix	NOUN
fsr-3705	114	19	asset	asset	NOUN
fsr-3705	114	20	years	year	NOUN
fsr-3705	114	21	of	of	ADP
fsr-3705	114	22	contributions	contribution	NOUN
fsr-3705	114	23	to	to	ADP
fsr-3705	114	24	each	each	DET
fsr-3705	114	25	asset	asset	NOUN
fsr-3705	114	26	stock	stock	NOUN
fsr-3705	114	27	:	:	PUNCT
fsr-3705	114	28	l-10	l-10	PROPN
fsr-3705	114	29	i-15	i-15	PROPN
fsr-3705	114	30	i-20	i-20	PROPN
fsr-3705	114	31	i-25	i-25	PROPN
fsr-3705	114	32	i-30	i-30	PROPN
fsr-3705	115	1	%	%	INTJ
fsr-3705	115	2	ile	ile	PROPN
fsr-3705	115	3	bo	bo	PROPN
fsr-3705	115	4	&	&	CCONJ
fsr-3705	115	5	:	:	PUNCT
fsr-3705	115	6	11	11	NUM
fsr-3705	115	7	-	-	SYM
fsr-3705	115	8	30	30	NUM
fsr-3705	115	9	16	16	NUM
fsr-3705	115	10	-	-	SYM
fsr-3705	115	11	30	30	NUM
fsr-3705	115	12	21	21	NUM
fsr-3705	115	13	-	-	SYM
fsr-3705	115	14	30	30	NUM
fsr-3705	115	15	24	24	NUM
fsr-3705	115	16	-	-	SYM
fsr-3705	115	17	30	30	NUM
fsr-3705	115	18	5	5	NUM
fsr-3705	115	19	393	393	NUM
fsr-3705	115	20	391	391	NUM
fsr-3705	115	21	383	383	NUM
fsr-3705	115	22	373	373	NUM
fsr-3705	115	23	363	363	NUM
fsr-3705	115	24	25	25	NUM
fsr-3705	115	25	564	564	NUM
fsr-3705	115	26	60s	60	NOUN
fsr-3705	115	27	647	647	NUM
fsr-3705	115	28	678	678	NUM
fsr-3705	115	29	715	715	NUM
fsr-3705	115	30	50	50	NUM
fsr-3705	115	31	765	765	NUM
fsr-3705	115	32	867	867	NUM
fsr-3705	115	33	983	983	NUM
fsr-3705	115	34	1.087	1.087	NUM
fsr-3705	115	35	1,194	1,194	NUM
fsr-3705	115	36	75	75	NUM
fsr-3705	115	37	1,083	1,083	NUM
fsr-3705	115	38	1,304	1,304	NUM
fsr-3705	115	39	1345	1345	NUM
fsr-3705	115	40	1,787	1,787	NUM
fsr-3705	115	41	2,055	2,055	NUM
fsr-3705	115	42	95	95	NUM
fsr-3705	115	43	1,970	1,970	NUM
fsr-3705	115	44	2$36	2$36	NUM
fsr-3705	115	45	3,185	3,185	NUM
fsr-3705	115	46	3,912	3,912	NUM
fsr-3705	115	47	4,697	4,697	NUM
fsr-3705	115	48	notes	note	NOUN
fsr-3705	115	49	:	:	PUNCT
fsr-3705	115	50	ending	end	VERB
fsr-3705	115	51	wealth	wealth	NOUN
fsr-3705	115	52	per	per	ADP
fsr-3705	115	53	dollar	dollar	NOUN
fsr-3705	115	54	of	of	ADP
fsr-3705	115	55	real	real	ADJ
fsr-3705	115	56	monthly	monthly	ADJ
fsr-3705	115	57	contribution	contribution	NOUN
fsr-3705	115	58	over	over	ADP
fsr-3705	115	59	30	30	NUM
fsr-3705	115	60	-	-	PUNCT
fsr-3705	115	61	year	year	NOUN
fsr-3705	115	62	accumulation	accumulation	NOUN
fsr-3705	115	63	periods	period	NOUN
fsr-3705	115	64	.	.	PUNCT
fsr-3705	116	1	the	the	DET
fsr-3705	116	2	asset	asset	NOUN
fsr-3705	116	3	allocation	allocation	NOUN
fsr-3705	116	4	is	be	AUX
fsr-3705	116	5	initially	initially	ADV
fsr-3705	116	6	100	100	NUM
fsr-3705	116	7	%	%	NOUN
fsr-3705	116	8	common	common	ADJ
fsr-3705	116	9	stock	stock	NOUN
fsr-3705	116	10	.	.	PUNCT
fsr-3705	117	1	in	in	ADP
fsr-3705	117	2	later	later	ADJ
fsr-3705	117	3	years	year	NOUN
fsr-3705	117	4	,	,	PUNCT
fsr-3705	117	5	new	new	ADJ
fsr-3705	117	6	contributions	contribution	NOUN
fsr-3705	117	7	are	be	AUX
fsr-3705	117	8	invested	invest	VERB
fsr-3705	117	9	in	in	ADP
fsr-3705	117	10	corporate	corporate	ADJ
fsr-3705	117	11	bonds	bond	NOUN
fsr-3705	117	12	and	and	CCONJ
fsr-3705	117	13	stock	stock	NOUN
fsr-3705	117	14	accumulations	accumulation	NOUN
fsr-3705	117	15	are	be	AUX
fsr-3705	117	16	gradually	gradually	ADV
fsr-3705	117	17	shifted	shift	VERB
fsr-3705	117	18	to	to	ADP
fsr-3705	117	19	bonds	bond	NOUN
fsr-3705	117	20	.	.	PUNCT
fsr-3705	118	1	the	the	DET
fsr-3705	118	2	portion	portion	NOUN
fsr-3705	118	3	transferred	transfer	VERB
fsr-3705	118	4	at	at	ADP
fsr-3705	118	5	the	the	DET
fsr-3705	118	6	end	end	NOUN
fsr-3705	118	7	of	of	ADP
fsr-3705	118	8	year	year	NOUN
fsr-3705	118	9	n	n	NUM
fsr-3705	118	10	is	be	AUX
fsr-3705	118	11	i/(30	i/(30	X
fsr-3705	118	12	-n	-n	X
fsr-3705	118	13	+	+	NOUN
fsr-3705	118	14	1	1	NUM
fsr-3705	118	15	)	)	PUNCT
fsr-3705	118	16	.	.	PUNCT
fsr-3705	119	1	consider	consider	VERB
fsr-3705	119	2	the	the	DET
fsr-3705	119	3	first	first	ADJ
fsr-3705	119	4	column	column	NOUN
fsr-3705	119	5	of	of	ADP
fsr-3705	119	6	the	the	DET
fsr-3705	119	7	wealth	wealth	NOUN
fsr-3705	119	8	dist	dist	NOUN
fsr-3705	119	9	~	~	SYM
fsr-3705	119	10	b	b	X
fsr-3705	119	11	~	~	PUNCT
fsr-3705	119	12	tions	tion	NOUN
fsr-3705	119	13	in	in	ADP
fsr-3705	119	14	table	table	NOUN
fsr-3705	119	15	4	4	NUM
fsr-3705	119	16	.	.	PUNCT
fsr-3705	119	17	one	one	NUM
fsr-3705	119	18	-	-	PUNCT
fsr-3705	119	19	dollar	dollar	NOUN
fsr-3705	119	20	real	real	ADJ
fsr-3705	119	21	monthly	monthly	ADJ
fsr-3705	119	22	con	con	NOUN
fsr-3705	119	23	~	~	NOUN
fsr-3705	119	24	butions	bution	NOUN
fsr-3705	119	25	are	be	AUX
fsr-3705	119	26	invested	invest	VERB
fsr-3705	119	27	in	in	ADP
fsr-3705	119	28	common	common	ADJ
fsr-3705	119	29	stock	stock	NOUN
fsr-3705	119	30	during	during	ADP
fsr-3705	119	31	the	the	DET
fsr-3705	119	32	first	first	ADJ
fsr-3705	119	33	10	10	NUM
fsr-3705	119	34	years	year	NOUN
fsr-3705	119	35	.	.	PUNCT
fsr-3705	120	1	beginning	begin	VERB
fsr-3705	120	2	in	in	ADP
fsr-3705	120	3	year	year	NOUN
fsr-3705	120	4	1	1	NUM
fsr-3705	120	5	i	i	PROPN
fsr-3705	120	6	,	,	PUNCT
fsr-3705	120	7	new	new	ADJ
fsr-3705	120	8	contributions	contribution	NOUN
fsr-3705	120	9	are	be	AUX
fsr-3705	120	10	put	put	VERB
fsr-3705	120	11	into	into	ADP
fsr-3705	120	12	corporate	corporate	ADJ
fsr-3705	120	13	bonds	bond	NOUN
fsr-3705	120	14	,	,	PUNCT
fsr-3705	120	15	and	and	CCONJ
fsr-3705	120	16	at	at	ADP
fsr-3705	120	17	the	the	DET
fsr-3705	120	18	end	end	NOUN
fsr-3705	120	19	of	of	ADP
fsr-3705	120	20	year	year	NOUN
fsr-3705	120	21	11,1/2oth	11,1/2oth	NUM
fsr-3705	120	22	of	of	ADP
fsr-3705	120	23	the	the	DET
fsr-3705	120	24	stock	stock	NOUN
fsr-3705	120	25	total	total	NOUN
fsr-3705	120	26	is	be	AUX
fsr-3705	120	27	moved	move	VERB
fsr-3705	120	28	to	to	ADP
fsr-3705	120	29	bonds	bond	NOUN
fsr-3705	120	30	.	.	PUNCT
fsr-3705	121	1	the	the	DET
fsr-3705	121	2	transfer	transfer	NOUN
fsr-3705	121	3	proportion	proportion	NOUN
fsr-3705	121	4	rises	rise	VERB
fsr-3705	121	5	to	to	ADP
fsr-3705	121	6	l	l	NOUN
fsr-3705	121	7	/	/	SYM
fsr-3705	121	8	l9	l9	PROPN
fsr-3705	121	9	in	in	ADP
fsr-3705	121	10	year	year	NOUN
fsr-3705	121	11	12	12	NUM
fsr-3705	121	12	,	,	PUNCT
fsr-3705	121	13	l/18	l/18	VERB
fsr-3705	121	14	in	in	ADP
fsr-3705	121	15	year	year	NOUN
fsr-3705	121	16	13	13	NUM
fsr-3705	121	17	,	,	PUNCT
fsr-3705	121	18	and	and	CCONJ
fsr-3705	121	19	so	so	ADV
fsr-3705	121	20	on	on	ADV
fsr-3705	121	21	until	until	ADP
fsr-3705	121	22	year	year	NOUN
fsr-3705	121	23	30	30	NUM
fsr-3705	121	24	when	when	SCONJ
fsr-3705	121	25	all	all	DET
fsr-3705	121	26	remaining	remain	VERB
fsr-3705	121	27	stock	stock	NOUN
fsr-3705	121	28	holdings	holding	NOUN
fsr-3705	121	29	are	be	AUX
fsr-3705	121	30	redeemed	redeem	VERB
fsr-3705	121	31	.	.	PUNCT
fsr-3705	122	1	as	as	ADP
fsr-3705	122	2	before	before	ADV
fsr-3705	122	3	,	,	PUNCT
fsr-3705	122	4	figures	figure	NOUN
fsr-3705	122	5	in	in	ADP
fsr-3705	122	6	the	the	DET
fsr-3705	122	7	table	table	NOUN
fsr-3705	122	8	show	show	NOUN
fsr-3705	122	9	percentiles	percentile	NOUN
fsr-3705	122	10	of	of	ADP
fsr-3705	122	11	ending	end	VERB
fsr-3705	122	12	wealth	wealth	NOUN
fsr-3705	122	13	.	.	PUNCT
fsr-3705	123	1	other	other	ADJ
fsr-3705	123	2	columns	column	NOUN
fsr-3705	123	3	in	in	ADP
fsr-3705	123	4	table	table	NOUN
fsr-3705	123	5	4	4	NUM
fsr-3705	123	6	extend	extend	VERB
fsr-3705	123	7	the	the	DET
fsr-3705	123	8	stock	stock	NOUN
fsr-3705	123	9	contribution	contribution	NOUN
fsr-3705	123	10	period	period	NOUN
fsr-3705	123	11	to	to	ADP
fsr-3705	123	12	15,20,25	15,20,25	NUM
fsr-3705	123	13	,	,	PUNCT
fsr-3705	123	14	and	and	CCONJ
fsr-3705	123	15	30	30	NUM
fsr-3705	123	16	years	year	NOUN
fsr-3705	123	17	,	,	PUNCT
fsr-3705	123	18	with	with	ADP
fsr-3705	123	19	the	the	DET
fsr-3705	123	20	30	30	NUM
fsr-3705	123	21	-	-	PUNCT
fsr-3705	123	22	year	year	NOUN
fsr-3705	123	23	column	column	NOUN
fsr-3705	123	24	taken	take	VERB
fsr-3705	123	25	from	from	ADP
fsr-3705	123	26	table	table	NOUN
fsr-3705	123	27	2	2	NUM
fsr-3705	123	28	.	.	PUNCT
fsr-3705	124	1	the	the	DET
fsr-3705	124	2	wealth	wealth	NOUN
fsr-3705	124	3	distributions	distribution	NOUN
fsr-3705	124	4	cross	cross	VERB
fsr-3705	124	5	around	around	ADP
fsr-3705	124	6	the	the	DET
fsr-3705	124	7	eighth	eighth	ADJ
fsr-3705	124	8	percentile	percentile	NOUN
fsr-3705	124	9	.	.	PUNCT
fsr-3705	125	1	this	this	PRON
fsr-3705	125	2	means	mean	VERB
fsr-3705	125	3	that	that	SCONJ
fsr-3705	125	4	there	there	PRON
fsr-3705	125	5	is	be	VERB
fsr-3705	125	6	only	only	ADV
fsr-3705	125	7	an	an	DET
fsr-3705	125	8	eight	eight	NUM
fsr-3705	125	9	percent	percent	NOUN
fsr-3705	125	10	chance	chance	NOUN
fsr-3705	125	11	of	of	ADP
fsr-3705	125	12	ending	end	VERB
fsr-3705	125	13	up	up	ADP
fsr-3705	125	14	with	with	ADP
fsr-3705	125	15	less	less	ADJ
fsr-3705	125	16	wealth	wealth	NOUN
fsr-3705	125	17	in	in	ADP
fsr-3705	125	18	an	an	DET
fsr-3705	125	19	all	all	DET
fsr-3705	125	20	-	-	PUNCT
fsr-3705	125	21	stock	stock	NOUN
fsr-3705	125	22	strategy	strategy	NOUN
fsr-3705	125	23	than	than	ADP
fsr-3705	125	24	in	in	ADP
fsr-3705	125	25	a	a	DET
fsr-3705	125	26	strategy	strategy	NOUN
fsr-3705	125	27	which	which	DET
fsr-3705	125	28	shifts	shift	NOUN
fsr-3705	125	29	to	to	ADP
fsr-3705	125	30	bonds	bond	NOUN
fsr-3705	125	31	earlier	early	ADV
fsr-3705	125	32	in	in	ADP
fsr-3705	125	33	the	the	DET
fsr-3705	125	34	accumulation	accumulation	NOUN
fsr-3705	125	35	period	period	NOUN
fsr-3705	125	36	.	.	PUNCT
fsr-3705	126	1	shifting	shift	VERB
fsr-3705	126	2	to	to	ADP
fsr-3705	126	3	bonds	bond	NOUN
fsr-3705	126	4	early	early	ADV
fsr-3705	126	5	in	in	ADP
fsr-3705	126	6	the	the	DET
fsr-3705	126	7	accumulation	accumulation	NOUN
fsr-3705	126	8	period	period	NOUN
fsr-3705	126	9	also	also	ADV
fsr-3705	126	10	gives	give	VERB
fsr-3705	126	11	up	up	ADP
fsr-3705	126	12	much	much	ADJ
fsr-3705	126	13	of	of	ADP
fsr-3705	126	14	the	the	DET
fsr-3705	126	15	upside	upside	ADJ
fsr-3705	126	16	potential	potential	NOUN
fsr-3705	126	17	of	of	ADP
fsr-3705	126	18	the	the	DET
fsr-3705	126	19	all	all	DET
fsr-3705	126	20	-	-	PUNCT
fsr-3705	126	21	stock	stock	NOUN
fsr-3705	126	22	strategy	strategy	NOUN
fsr-3705	126	23	.	.	PUNCT
fsr-3705	127	1	table	table	NOUN
fsr-3705	127	2	5	5	NUM
fsr-3705	127	3	illustrates	illustrate	VERB
fsr-3705	127	4	the	the	DET
fsr-3705	127	5	effect	effect	NOUN
fsr-3705	127	6	of	of	ADP
fsr-3705	127	7	changing	change	VERB
fsr-3705	127	8	the	the	DET
fsr-3705	127	9	retirement	retirement	NOUN
fsr-3705	127	10	age	age	NOUN
fsr-3705	127	11	when	when	SCONJ
fsr-3705	127	12	investment	investment	NOUN
fsr-3705	127	13	contributions	contribution	NOUN
fsr-3705	127	14	begin	begin	VERB
fsr-3705	127	15	at	at	ADP
fsr-3705	127	16	age	age	NOUN
fsr-3705	127	17	30	30	NUM
fsr-3705	127	18	.	.	PUNCT
fsr-3705	128	1	all	all	DET
fsr-3705	128	2	contributions	contribution	NOUN
fsr-3705	128	3	are	be	AUX
fsr-3705	128	4	invested	invest	VERB
fsr-3705	128	5	in	in	ADP
fsr-3705	128	6	common	common	ADJ
fsr-3705	128	7	stock	stock	NOUN
fsr-3705	128	8	.	.	PUNCT
fsr-3705	129	1	the	the	DET
fsr-3705	129	2	figures	figure	NOUN
fsr-3705	129	3	show	show	VERB
fsr-3705	129	4	monthly	monthly	ADJ
fsr-3705	129	5	annuity	annuity	NOUN
fsr-3705	129	6	payments	payment	NOUN
fsr-3705	129	7	from	from	ADP
fsr-3705	129	8	a	a	DET
fsr-3705	129	9	lifetime	lifetime	NOUN
fsr-3705	129	10	annuity	annuity	NOUN
fsr-3705	129	11	following	follow	VERB
fsr-3705	129	12	retire	retire	NOUN
fsr-3705	129	13	ment	ment	NOUN
fsr-3705	129	14	at	at	ADP
fsr-3705	129	15	age	age	NOUN
fsr-3705	129	16	60,65	60,65	NOUN
fsr-3705	129	17	,	,	PUNCT
fsr-3705	129	18	or	or	CCONJ
fsr-3705	129	19	70	70	NUM
fsr-3705	129	20	.	.	PUNCT
fsr-3705	130	1	calculations	calculation	NOUN
fsr-3705	130	2	are	be	AUX
fsr-3705	130	3	based	base	VERB
fsr-3705	130	4	on	on	ADP
fsr-3705	130	5	mo	mo	PROPN
fsr-3705	130	6	~	~	PROPN
fsr-3705	130	7	lity	lity	NOUN
fsr-3705	130	8	data	datum	NOUN
fsr-3705	130	9	for	for	ADP
fsr-3705	130	10	men7	men7	NOUN
fsr-3705	130	11	in	in	ADP
fsr-3705	130	12	the	the	DET
fsr-3705	130	13	1990	1990	NUM
fsr-3705	130	14	life	life	NOUN
fsr-3705	130	15	i~~r~~	i~~r~~	PRON
fsr-3705	130	16	fact	fact	NOUN
fsr-3705	130	17	book	book	NOUN
fsr-3705	130	18	and	and	CCONJ
fsr-3705	130	19	a	a	DET
fsr-3705	130	20	monthly	monthly	ADJ
fsr-3705	130	21	discount	discount	NOUN
fsr-3705	130	22	rate	rate	NOUN
fsr-3705	130	23	of	of	ADP
fsr-3705	130	24	.0019	.0019	PROPN
fsr-3705	130	25	,	,	PUNCT
fsr-3705	130	26	the	the	DET
fsr-3705	130	27	average	average	ADJ
fsr-3705	130	28	real	real	ADJ
fsr-3705	130	29	monthly	monthly	ADJ
fsr-3705	130	30	corporate	corporate	ADJ
fsr-3705	130	31	bond	bond	NOUN
fsr-3705	130	32	return	return	NOUN
fsr-3705	130	33	over	over	ADP
fsr-3705	130	34	1926	1926	NUM
fsr-3705	130	35	-	-	SYM
fsr-3705	130	36	1990.8	1990.8	NUM
fsr-3705	130	37	monthly	monthly	ADJ
fsr-3705	130	38	annuity	annuity	NOUN
fsr-3705	130	39	payments	payment	NOUN
fsr-3705	130	40	increase	increase	VERB
fsr-3705	130	41	dramatically	dramatically	ADV
fsr-3705	130	42	as	as	SCONJ
fsr-3705	130	43	the	the	DET
fsr-3705	130	44	retirement	retirement	NOUN
fsr-3705	130	45	age	age	NOUN
fsr-3705	130	46	is	be	AUX
fsr-3705	130	47	increased	increase	VERB
fsr-3705	130	48	.	.	PUNCT
fsr-3705	131	1	this	this	PRON
fsr-3705	131	2	is	be	AUX
fsr-3705	131	3	due	due	ADJ
fsr-3705	131	4	to	to	ADP
fsr-3705	131	5	the	the	DET
fsr-3705	131	6	combined	combine	VERB
fsr-3705	131	7	influence	influence	NOUN
fsr-3705	131	8	of	of	ADP
fsr-3705	131	9	two	two	NUM
fsr-3705	131	10	factors	factor	NOUN
fsr-3705	131	11	:	:	PUNCT
fsr-3705	131	12	the	the	DET
fsr-3705	131	13	higher	high	ADJ
fsr-3705	131	14	ending	end	VERB
fsr-3705	131	15	wealth	wealth	NOUN
fsr-3705	131	16	from	from	ADP
fsr-3705	131	17	a	a	DET
fsr-3705	131	18	longer	long	ADJ
fsr-3705	131	19	accumulation	accumulation	NOUN
fsr-3705	131	20	period	period	NOUN
fsr-3705	131	21	,	,	PUNCT
fsr-3705	131	22	and	and	CCONJ
fsr-3705	131	23	a	a	DET
fsr-3705	131	24	shorter	short	ADJ
fsr-3705	131	25	remaining	remain	VERB
fsr-3705	131	26	lifetime	lifetime	NOUN
fsr-3705	131	27	over	over	ADP
fsr-3705	131	28	which	which	PRON
fsr-3705	131	29	to	to	PART
fsr-3705	131	30	receive	receive	VERB
fsr-3705	131	31	annuity	annuity	NOUN
fsr-3705	131	32	payments	payment	NOUN
fsr-3705	131	33	.	.	PUNCT
fsr-3705	132	1	the	the	DET
fsr-3705	132	2	figures	figure	NOUN
fsr-3705	132	3	in	in	ADP
fsr-3705	132	4	tables	table	NOUN
fsr-3705	132	5	2	2	NUM
fsr-3705	132	6	through	through	ADP
fsr-3705	132	7	5	5	NUM
fsr-3705	132	8	assume	assume	VERB
fsr-3705	132	9	the	the	DET
fsr-3705	132	10	monthly	monthly	ADJ
fsr-3705	132	11	contribution	contribution	NOUN
fsr-3705	132	12	amount	amount	NOUN
fsr-3705	132	13	remains	remain	VERB
fsr-3705	132	14	constant	constant	ADJ
fsr-3705	132	15	throughout	throughout	ADP
fsr-3705	132	16	the	the	DET
fsr-3705	132	17	accumulation	accumulation	NOUN
fsr-3705	132	18	periods	period	NOUN
fsr-3705	132	19	.	.	PUNCT
fsr-3705	133	1	adding	add	VERB
fsr-3705	133	2	a	a	DET
fsr-3705	133	3	growth	growth	NOUN
fsr-3705	133	4	rate	rate	NOUN
fsr-3705	133	5	to	to	ADP
fsr-3705	133	6	the	the	DET
fsr-3705	133	7	con	con	PROPN
fsr-3705	133	8	~	~	PUNCT
fsr-3705	133	9	ibutions	ibution	NOUN
fsr-3705	133	10	increases	increase	VERB
fsr-3705	133	11	ending	end	VERB
fsr-3705	133	12	wealth	wealth	NOUN
fsr-3705	133	13	and	and	CCONJ
fsr-3705	133	14	annuity	annuity	NOUN
fsr-3705	133	15	amounts	amount	NOUN
fsr-3705	133	16	.	.	PUNCT
fsr-3705	134	1	for	for	ADP
fsr-3705	134	2	example	example	NOUN
fsr-3705	134	3	,	,	PUNCT
fsr-3705	134	4	consider	consider	VERB
fsr-3705	134	5	financial	financial	ADJ
fsr-3705	134	6	services	service	NOUN
fsr-3705	134	7	review	review	NOUN
fsr-3705	134	8	,	,	PUNCT
fsr-3705	134	9	2(l	2(l	NUM
fsr-3705	134	10	)	)	PUNCT
fsr-3705	134	11	19!w1993	19!w1993	NUM
fsr-3705	134	12	table	table	NOUN
fsr-3705	134	13	5	5	NUM
fsr-3705	134	14	lifetime	lifetime	NOUN
fsr-3705	134	15	annuity	annuity	NOUN
fsr-3705	134	16	payments	payment	NOUN
fsr-3705	134	17	for	for	ADP
fsr-3705	134	18	different	different	ADJ
fsr-3705	134	19	retirement	retirement	NOUN
fsr-3705	134	20	ages	age	NOUN
fsr-3705	134	21	retirement	retirement	NOUN
fsr-3705	134	22	age	age	NOUN
fsr-3705	134	23	percentile	percentile	VERB
fsr-3705	134	24	60	60	NUM
fsr-3705	134	25	65	65	NUM
fsr-3705	134	26	70	70	NUM
fsr-3705	134	27	5	5	NUM
fsr-3705	134	28	1.76	1.76	NUM
fsr-3705	134	29	2.71	2.71	NUM
fsr-3705	134	30	3.97	3.97	NUM
fsr-3705	134	31	25	25	NUM
fsr-3705	134	32	3.47	3.47	NUM
fsr-3705	134	33	5.58	5.58	NUM
fsr-3705	134	34	9.17	9.17	NUM
fsr-3705	134	35	so	so	ADV
fsr-3705	134	36	5.80	5.80	NUM
fsr-3705	134	37	9.92	9.92	NUM
fsr-3705	134	38	17.12	17.12	NUM
fsr-3705	134	39	15	15	NUM
fsr-3705	134	40	9.99	9.99	NUM
fsr-3705	134	41	18.07	18.07	NUM
fsr-3705	134	42	32.78	32.78	NUM
fsr-3705	134	43	9s	9s	NUM
fsr-3705	134	44	22.82	22.82	NUM
fsr-3705	134	45	44.28	44.28	NUM
fsr-3705	134	46	90.33	90.33	NUM
fsr-3705	134	47	nofex	nofex	PRON
fsr-3705	134	48	annual	annual	ADJ
fsr-3705	134	49	payments	payment	NOUN
fsr-3705	134	50	from	from	ADP
fsr-3705	134	51	a	a	DET
fsr-3705	134	52	lifetime	lifetime	NOUN
fsr-3705	134	53	annuity	annuity	NOUN
fsr-3705	134	54	per	per	ADP
fsr-3705	134	55	dollar	dollar	NOUN
fsr-3705	134	56	of	of	ADP
fsr-3705	134	57	real	real	ADJ
fsr-3705	134	58	monthly	monthly	ADJ
fsr-3705	134	59	contribution	contribution	NOUN
fsr-3705	134	60	.	.	PUNCT
fsr-3705	135	1	contributions	contribution	NOUN
fsr-3705	135	2	begin	begin	VERB
fsr-3705	135	3	at	at	ADP
fsr-3705	135	4	age	age	NOUN
fsr-3705	135	5	30	30	NUM
fsr-3705	135	6	and	and	CCONJ
fsr-3705	135	7	continue	continue	VERB
fsr-3705	135	8	until	until	ADP
fsr-3705	135	9	retirement	retirement	NOUN
fsr-3705	135	10	at	at	ADP
fsr-3705	135	11	ages	age	NOUN
fsr-3705	135	12	60.65	60.65	NUM
fsr-3705	135	13	.	.	PUNCT
fsr-3705	136	1	or	or	CCONJ
fsr-3705	136	2	70	70	NUM
fsr-3705	136	3	.	.	PUNCT
fsr-3705	137	1	investments	investment	NOUN
fsr-3705	137	2	are	be	AUX
fsr-3705	137	3	in	in	ADP
fsr-3705	137	4	common	common	ADJ
fsr-3705	137	5	stock	stock	NOUN
fsr-3705	137	6	throughout	throughout	ADP
fsr-3705	137	7	the	the	DET
fsr-3705	137	8	accumulation	accumulation	NOUN
fsr-3705	137	9	period	period	NOUN
fsr-3705	137	10	.	.	PUNCT
fsr-3705	138	1	the	the	DET
fsr-3705	138	2	1,194	1,194	NUM
fsr-3705	138	3	median	median	NOUN
fsr-3705	138	4	ending	end	VERB
fsr-3705	138	5	wealth	wealth	NOUN
fsr-3705	138	6	for	for	ADP
fsr-3705	138	7	common	common	ADJ
fsr-3705	138	8	stock	stock	NOUN
fsr-3705	138	9	contributions	contribution	NOUN
fsr-3705	138	10	over	over	ADP
fsr-3705	138	11	30	30	NUM
fsr-3705	138	12	years	year	NOUN
fsr-3705	138	13	(	(	PUNCT
fsr-3705	138	14	table	table	NOUN
fsr-3705	138	15	2	2	NUM
fsr-3705	138	16	)	)	PUNCT
fsr-3705	138	17	.	.	PUNCT
fsr-3705	139	1	the	the	DET
fsr-3705	139	2	median	median	ADJ
fsr-3705	139	3	increases	increase	VERB
fsr-3705	139	4	to	to	ADP
fsr-3705	139	5	1,419	1,419	NUM
fsr-3705	139	6	with	with	ADP
fsr-3705	139	7	two	two	NUM
fsr-3705	139	8	percent	percent	NOUN
fsr-3705	139	9	annual	annual	ADJ
fsr-3705	139	10	growth	growth	NOUN
fsr-3705	139	11	in	in	ADP
fsr-3705	139	12	real	real	ADJ
fsr-3705	139	13	con	con	NOUN
fsr-3705	139	14	~	~	SYM
fsr-3705	139	15	ibutions	ibution	NOUN
fsr-3705	139	16	,	,	PUNCT
fsr-3705	139	17	and	and	CCONJ
fsr-3705	139	18	climbs	climb	VERB
fsr-3705	139	19	to	to	ADP
fsr-3705	139	20	2,031	2,031	NUM
fsr-3705	139	21	with	with	ADP
fsr-3705	139	22	5	5	NUM
fsr-3705	139	23	percent	percent	NOUN
fsr-3705	139	24	growth	growth	NOUN
fsr-3705	139	25	.	.	PUNCT
fsr-3705	140	1	the	the	DET
fsr-3705	140	2	co	co	NOUN
fsr-3705	140	3	~	~	NOUN
fsr-3705	140	4	sponding	sponde	VERB
fsr-3705	140	5	corporate	corporate	ADJ
fsr-3705	140	6	bond	bond	NOUN
fsr-3705	140	7	totals	total	NOUN
fsr-3705	140	8	increase	increase	VERB
fsr-3705	140	9	from	from	ADP
fsr-3705	140	10	496	496	NUM
fsr-3705	140	11	to	to	ADP
fsr-3705	140	12	65	65	NUM
fsr-3705	140	13	1	1	NUM
fsr-3705	140	14	and	and	CCONJ
fsr-3705	140	15	then	then	ADV
fsr-3705	140	16	to	to	ADP
fsr-3705	140	17	1,024	1,024	NUM
fsr-3705	140	18	.	.	PUNCT
fsr-3705	141	1	however	however	ADV
fsr-3705	141	2	,	,	PUNCT
fsr-3705	141	3	growth	growth	NOUN
fsr-3705	141	4	has	have	VERB
fsr-3705	141	5	little	little	ADJ
fsr-3705	141	6	effect	effect	NOUN
fsr-3705	141	7	on	on	ADP
fsr-3705	141	8	crossing	cross	VERB
fsr-3705	141	9	points	point	NOUN
fsr-3705	141	10	of	of	ADP
fsr-3705	141	11	the	the	DET
fsr-3705	141	12	distributions	distribution	NOUN
fsr-3705	141	13	.	.	PUNCT
fsr-3705	142	1	for	for	ADP
fsr-3705	142	2	example	example	NOUN
fsr-3705	142	3	,	,	PUNCT
fsr-3705	142	4	30	30	NUM
fsr-3705	142	5	-	-	PUNCT
fsr-3705	142	6	year	year	NOUN
fsr-3705	142	7	common	common	ADJ
fsr-3705	142	8	stock	stock	NOUN
fsr-3705	142	9	and	and	CCONJ
fsr-3705	142	10	corporate	corporate	ADJ
fsr-3705	142	11	bond	bond	NOUN
fsr-3705	142	12	distributions	distribution	NOUN
fsr-3705	142	13	still	still	ADV
fsr-3705	142	14	cross	cross	VERB
fsr-3705	142	15	around	around	ADP
fsr-3705	142	16	the	the	DET
fsr-3705	142	17	4th	4th	ADJ
fsr-3705	142	18	percentile	percentile	NOUN
fsr-3705	142	19	.	.	PUNCT
fsr-3705	143	1	the	the	DET
fsr-3705	143	2	relative	relative	ADJ
fsr-3705	143	3	shapes	shape	NOUN
fsr-3705	143	4	and	and	CCONJ
fsr-3705	143	5	orderings	ordering	NOUN
fsr-3705	143	6	of	of	ADP
fsr-3705	143	7	the	the	DET
fsr-3705	143	8	distributions	distribution	NOUN
fsr-3705	143	9	presented	present	VERB
fsr-3705	143	10	in	in	ADP
fsr-3705	143	11	table	table	NOUN
fsr-3705	143	12	2	2	NUM
fsr-3705	143	13	are	be	AUX
fsr-3705	143	14	retained	retain	VERB
fsr-3705	143	15	.	.	PUNCT
fsr-3705	144	1	v.	v.	ADP
fsr-3705	144	2	conclusion	conclusion	NOUN
fsr-3705	144	3	the	the	DET
fsr-3705	144	4	return	return	NOUN
fsr-3705	144	5	distributions	distribution	NOUN
fsr-3705	144	6	and	and	CCONJ
fsr-3705	144	7	the	the	DET
fsr-3705	144	8	resampling	resample	VERB
fsr-3705	144	9	procedure	procedure	NOUN
fsr-3705	144	10	of	of	ADP
fsr-3705	144	11	this	this	DET
fsr-3705	144	12	paper	paper	NOUN
fsr-3705	144	13	can	can	AUX
fsr-3705	144	14	be	be	AUX
fsr-3705	144	15	used	use	VERB
fsr-3705	144	16	by	by	ADP
fsr-3705	144	17	both	both	DET
fsr-3705	144	18	individuals	individual	NOUN
fsr-3705	144	19	and	and	CCONJ
fsr-3705	144	20	financial	financial	ADJ
fsr-3705	144	21	planners	planner	NOUN
fsr-3705	144	22	.	.	PUNCT
fsr-3705	145	1	probability	probability	NOUN
fsr-3705	145	2	distributions	distribution	NOUN
fsr-3705	145	3	help	help	AUX
fsr-3705	145	4	determine	determine	VERB
fsr-3705	145	5	the	the	DET
fsr-3705	145	6	size	size	NOUN
fsr-3705	145	7	of	of	ADP
fsr-3705	145	8	monthly	monthly	ADJ
fsr-3705	145	9	retirement	retirement	NOUN
fsr-3705	145	10	contributions	contribution	NOUN
fsr-3705	145	11	which	which	PRON
fsr-3705	145	12	are	be	AUX
fsr-3705	145	13	needed	need	VERB
fsr-3705	145	14	to	to	PART
fsr-3705	145	15	meet	meet	VERB
fsr-3705	145	16	a	a	DET
fsr-3705	145	17	long	long	ADJ
fsr-3705	145	18	-	-	PUNCT
fsr-3705	145	19	term	term	NOUN
fsr-3705	145	20	goal	goal	NOUN
fsr-3705	145	21	.	.	PUNCT
fsr-3705	146	1	the	the	DET
fsr-3705	146	2	resampling	resample	VERB
fsr-3705	146	3	procedure	procedure	NOUN
fsr-3705	146	4	can	can	AUX
fsr-3705	146	5	adapt	adapt	VERB
fsr-3705	146	6	results	result	NOUN
fsr-3705	146	7	to	to	ADP
fsr-3705	146	8	a	a	DET
fsr-3705	146	9	particular	particular	ADJ
fsr-3705	146	10	investor	investor	NOUN
fsr-3705	146	11	’s	’s	PART
fsr-3705	146	12	invest	inv	ADJ
fsr-3705	146	13	ment	ment	NOUN
fsr-3705	146	14	needs	need	NOUN
fsr-3705	146	15	.	.	PUNCT
fsr-3705	147	1	since	since	SCONJ
fsr-3705	147	2	all	all	DET
fsr-3705	147	3	results	result	NOUN
fsr-3705	147	4	are	be	AUX
fsr-3705	147	5	in	in	ADP
fsr-3705	147	6	real	real	ADJ
fsr-3705	147	7	(	(	PUNCT
fsr-3705	147	8	inffation	inffation	NOUN
fsr-3705	147	9	-	-	PUNCT
fsr-3705	147	10	adjusted	adjust	VERB
fsr-3705	147	11	)	)	PUNCT
fsr-3705	147	12	terms	term	NOUN
fsr-3705	147	13	,	,	PUNCT
fsr-3705	147	14	retirement	retirement	NOUN
fsr-3705	147	15	incomes	income	NOUN
fsr-3705	147	16	are	be	AUX
fsr-3705	147	17	conveniently	conveniently	ADV
fsr-3705	147	18	stated	state	VERB
fsr-3705	147	19	in	in	ADP
fsr-3705	147	20	terms	term	NOUN
fsr-3705	147	21	of	of	ADP
fsr-3705	147	22	today	today	NOUN
fsr-3705	147	23	’s	’s	PART
fsr-3705	147	24	purchasing	purchasing	NOUN
fsr-3705	147	25	power	power	NOUN
fsr-3705	147	26	.	.	PUNCT
fsr-3705	148	1	the	the	DET
fsr-3705	148	2	most	most	ADV
fsr-3705	148	3	striking	striking	ADJ
fsr-3705	148	4	result	result	NOUN
fsr-3705	148	5	is	be	AUX
fsr-3705	148	6	the	the	DET
fsr-3705	148	7	large	large	ADJ
fsr-3705	148	8	advantage	advantage	NOUN
fsr-3705	148	9	held	hold	VERB
fsr-3705	148	10	by	by	ADP
fsr-3705	148	11	common	common	ADJ
fsr-3705	148	12	stock	stock	NOUN
fsr-3705	148	13	invest	invest	VERB
fsr-3705	148	14	ments	ment	NOUN
fsr-3705	148	15	over	over	ADP
fsr-3705	148	16	bonds	bond	NOUN
fsr-3705	148	17	for	for	ADP
fsr-3705	148	18	longer	long	ADJ
fsr-3705	148	19	accumulation	accumulation	NOUN
fsr-3705	148	20	periods	period	NOUN
fsr-3705	148	21	.	.	PUNCT
fsr-3705	149	1	as	as	SCONJ
fsr-3705	149	2	the	the	DET
fsr-3705	149	3	accumulation	accumulation	NOUN
fsr-3705	149	4	period	period	NOUN
fsr-3705	149	5	lengthens	lengthen	VERB
fsr-3705	149	6	,	,	PUNCT
fsr-3705	149	7	stock	stock	NOUN
fsr-3705	149	8	investments	investment	NOUN
fsr-3705	149	9	become	become	VERB
fsr-3705	149	10	increasingly	increasingly	ADV
fsr-3705	149	11	less	less	ADJ
fsr-3705	149	12	“	"	PUNCT
fsr-3705	149	13	risky	risky	ADJ
fsr-3705	149	14	”	"	PUNCT
fsr-3705	149	15	than	than	ADP
fsr-3705	149	16	bonds	bond	NOUN
fsr-3705	149	17	.	.	PUNCT
fsr-3705	150	1	a	a	DET
fsr-3705	150	2	given	give	VERB
fsr-3705	150	3	monthly	monthly	ADJ
fsr-3705	150	4	investment	investment	NOUN
fsr-3705	150	5	in	in	ADP
fsr-3705	150	6	stocks	stock	NOUN
fsr-3705	150	7	can	can	AUX
fsr-3705	150	8	offer	offer	VERB
fsr-3705	150	9	a	a	DET
fsr-3705	150	10	reasonable	reasonable	ADJ
fsr-3705	150	11	chance	chance	NOUN
fsr-3705	150	12	of	of	ADP
fsr-3705	150	13	meeting	meet	VERB
fsr-3705	150	14	a	a	DET
fsr-3705	150	15	long	long	ADJ
fsr-3705	150	16	-	-	PUNCT
fsr-3705	150	17	term	term	NOUN
fsr-3705	150	18	investment	investment	NOUN
fsr-3705	150	19	goal	goal	NOUN
fsr-3705	150	20	,	,	PUNCT
fsr-3705	150	21	while	while	SCONJ
fsr-3705	150	22	the	the	DET
fsr-3705	150	23	same	same	ADJ
fsr-3705	150	24	amount	amount	NOUN
fsr-3705	150	25	invested	invest	VERB
fsr-3705	150	26	in	in	ADP
fsr-3705	150	27	bonds	bond	NOUN
fsr-3705	150	28	generally	generally	ADV
fsr-3705	150	29	has	have	VERB
fsr-3705	150	30	a	a	DET
fsr-3705	150	31	smaller	small	ADJ
fsr-3705	150	32	chance	chance	NOUN
fsr-3705	150	33	of	of	ADP
fsr-3705	150	34	meeting	meet	VERB
fsr-3705	150	35	that	that	DET
fsr-3705	150	36	goal	goal	NOUN
fsr-3705	150	37	.	.	PUNCT
fsr-3705	151	1	based	base	VERB
fsr-3705	151	2	on	on	ADP
fsr-3705	151	3	capital	capital	NOUN
fsr-3705	151	4	market	market	NOUN
fsr-3705	151	5	history	history	NOUN
fsr-3705	151	6	,	,	PUNCT
fsr-3705	151	7	we	we	PRON
fsr-3705	151	8	find	find	VERB
fsr-3705	151	9	that	that	SCONJ
fsr-3705	151	10	over	over	ADP
fsr-3705	151	11	a	a	DET
fsr-3705	151	12	30	30	NUM
fsr-3705	151	13	-	-	PUNCT
fsr-3705	151	14	year	year	NOUN
fsr-3705	151	15	accumulation	accumulation	NOUN
fsr-3705	151	16	period	period	NOUN
fsr-3705	151	17	there	there	PRON
fsr-3705	151	18	is	be	VERB
fsr-3705	151	19	less	less	ADJ
fsr-3705	151	20	than	than	ADP
fsr-3705	151	21	a	a	DET
fsr-3705	151	22	four	four	NUM
fsr-3705	151	23	percent	percent	NOUN
fsr-3705	151	24	chance	chance	NOUN
fsr-3705	151	25	that	that	SCONJ
fsr-3705	151	26	colon	colon	NOUN
fsr-3705	151	27	stocks	stock	NOUN
fsr-3705	151	28	will	will	AUX
fsr-3705	151	29	underperform	underperform	VERB
fsr-3705	151	30	corporate	corporate	ADJ
fsr-3705	151	31	bonds	bond	NOUN
fsr-3705	151	32	.	.	PUNCT
fsr-3705	152	1	despite	despite	SCONJ
fsr-3705	152	2	the	the	DET
fsr-3705	152	3	short	short	ADJ
fsr-3705	152	4	-	-	PUNCT
fsr-3705	152	5	term	term	NOUN
fsr-3705	152	6	risks	risk	NOUN
fsr-3705	152	7	,	,	PUNCT
fsr-3705	152	8	the	the	DET
fsr-3705	152	9	stock	stock	NOUN
fsr-3705	152	10	market	market	NOUN
fsr-3705	152	11	is	be	AUX
fsr-3705	152	12	the	the	DET
fsr-3705	152	13	best	good	ADJ
fsr-3705	152	14	bet	bet	NOUN
fsr-3705	152	15	for	for	ADP
fsr-3705	152	16	most	most	ADJ
fsr-3705	152	17	long	long	ADJ
fsr-3705	152	18	-	-	PUNCT
fsr-3705	152	19	term	term	NOUN
fsr-3705	152	20	retirement	retirement	NOUN
fsr-3705	152	21	investments	investment	NOUN
fsr-3705	152	22	.	.	PUNCT
fsr-3705	153	1	acknowledgments	acknowledgment	NOUN
fsr-3705	153	2	:	:	PUNCT
fsr-3705	154	1	we	we	PRON
fsr-3705	154	2	thank	thank	VERB
fsr-3705	154	3	two	two	NUM
fsr-3705	154	4	anonymous	anonymous	ADJ
fsr-3705	154	5	referees	referee	NOUN
fsr-3705	154	6	and	and	CCONJ
fsr-3705	154	7	participants	participant	NOUN
fsr-3705	154	8	at	at	ADP
fsr-3705	154	9	the	the	DET
fsr-3705	154	10	1990	1990	NUM
fsr-3705	154	11	academy	academy	NOUN
fsr-3705	154	12	of	of	ADP
fsr-3705	154	13	financial	financial	ADJ
fsr-3705	154	14	services	service	NOUN
fsr-3705	154	15	annual	annual	ADJ
fsr-3705	154	16	meetings	meeting	NOUN
fsr-3705	154	17	for	for	ADP
fsr-3705	154	18	helpful	helpful	ADJ
fsr-3705	154	19	comments	comment	NOUN
fsr-3705	154	20	.	.	PUNCT
fsr-3705	155	1	lang	lang	PROPN
fsr-3705	155	2	-	-	PUNCT
fsr-3705	155	3	run	run	NOUN
fsr-3705	155	4	returns	return	NOUN
fsr-3705	155	5	on	on	ADP
fsr-3705	155	6	stock	stock	NOUN
fsr-3705	155	7	and	and	CCONJ
fsr-3705	155	8	bond	bond	NOUN
fsr-3705	155	9	potifolios	potifolio	NOUN
fsr-3705	155	10	49	49	NUM
fsr-3705	155	11	5	5	NUM
fsr-3705	155	12	.	.	NOUN
fsr-3705	155	13	6	6	NUM
fsr-3705	155	14	.	.	NOUN
fsr-3705	155	15	7	7	NUM
fsr-3705	155	16	.	.	NOUN
fsr-3705	155	17	8	8	NUM
fsr-3705	155	18	.	.	PUNCT
fsr-3705	156	1	notes	note	NOUN
fsr-3705	156	2	this	this	DET
fsr-3705	156	3	point	point	NOUN
fsr-3705	156	4	is	be	AUX
fsr-3705	156	5	emphasized	emphasize	VERB
fsr-3705	156	6	by	by	ADP
fsr-3705	156	7	mcenally	mcenally	ADV
fsr-3705	156	8	(	(	PUNCT
fsr-3705	156	9	1985	1985	NUM
fsr-3705	156	10	)	)	PUNCT
fsr-3705	156	11	.	.	PUNCT
fsr-3705	157	1	the	the	DET
fsr-3705	157	2	true	true	ADJ
fsr-3705	157	3	moments	moment	NOUN
fsr-3705	157	4	of	of	ADP
fsr-3705	157	5	the	the	DET
fsr-3705	157	6	distribution	distribution	NOUN
fsr-3705	157	7	are	be	AUX
fsr-3705	157	8	unknown	unknown	ADJ
fsr-3705	157	9	.	.	PUNCT
fsr-3705	158	1	the	the	DET
fsr-3705	158	2	sample	sample	NOUN
fsr-3705	158	3	mean	mean	VERB
fsr-3705	158	4	and	and	CCONJ
fsr-3705	158	5	variance	variance	NOUN
fsr-3705	158	6	over	over	ADP
fsr-3705	158	7	1926	1926	NUM
fsr-3705	158	8	-	-	PUNCT
fsr-3705	158	9	l	l	NOUN
fsr-3705	158	10	990	990	NUM
fsr-3705	158	11	am	be	AUX
fsr-3705	158	12	only	only	ADV
fsr-3705	158	13	estimates	estimate	NOUN
fsr-3705	158	14	of	of	ADP
fsr-3705	158	15	these	these	DET
fsr-3705	158	16	parameters	parameter	NOUN
fsr-3705	158	17	.	.	PUNCT
fsr-3705	159	1	butler	butler	PROPN
fsr-3705	159	2	and	and	CCONJ
fsr-3705	159	3	domian	domian	PROPN
fsr-3705	159	4	(	(	PUNCT
fsr-3705	159	5	1991	1991	NUM
fsr-3705	159	6	)	)	PUNCT
fsr-3705	159	7	show	show	VERB
fsr-3705	159	8	that	that	SCONJ
fsr-3705	159	9	small	small	ADJ
fsr-3705	159	10	positive	positive	ADJ
fsr-3705	159	11	autocormlations	autocormlation	NOUN
fsr-3705	159	12	in	in	ADP
fsr-3705	159	13	the	the	DET
fsr-3705	159	14	historical	historical	ADJ
fsr-3705	159	15	stock	stock	NOUN
fsr-3705	159	16	and	and	CCONJ
fsr-3705	159	17	bond	bond	NOUN
fsr-3705	159	18	series	series	NOUN
fsr-3705	159	19	have	have	VERB
fsr-3705	159	20	little	little	ADJ
fsr-3705	159	21	impact	impact	NOUN
fsr-3705	159	22	on	on	ADP
fsr-3705	159	23	return	return	NOUN
fsr-3705	159	24	distributions	distribution	NOUN
fsr-3705	159	25	produced	produce	VERB
fsr-3705	159	26	by	by	ADP
fsr-3705	159	27	the	the	DET
fsr-3705	159	28	resampling	resample	VERB
fsr-3705	159	29	methodology	methodology	NOUN
fsr-3705	159	30	.	.	PUNCT
fsr-3705	160	1	the	the	DET
fsr-3705	160	2	means	mean	NOUN
fsr-3705	160	3	of	of	ADP
fsr-3705	160	4	the	the	DET
fsr-3705	160	5	common	common	ADJ
fsr-3705	160	6	stock	stock	NOUN
fsr-3705	160	7	end	end	NOUN
fsr-3705	160	8	-	-	PUNCT
fsr-3705	160	9	of	of	ADP
fsr-3705	160	10	-	-	PUNCT
fsr-3705	160	11	period	period	NOUN
fsr-3705	160	12	wealth	wealth	NOUN
fsr-3705	160	13	distributions	distribution	NOUN
fsr-3705	160	14	are	be	AUX
fsr-3705	160	15	190	190	NUM
fsr-3705	160	16	(	(	PUNCT
fsr-3705	160	17	10	10	NUM
fsr-3705	160	18	years	year	NOUN
fsr-3705	160	19	)	)	PUNCT
fsr-3705	160	20	,	,	PUNCT
fsr-3705	160	21	636	636	NUM
fsr-3705	160	22	(	(	PUNCT
fsr-3705	160	23	20	20	NUM
fsr-3705	160	24	years	year	NOUN
fsr-3705	160	25	)	)	PUNCT
fsr-3705	160	26	,	,	PUNCT
fsr-3705	160	27	1,705	1,705	NUM
fsr-3705	160	28	(	(	PUNCT
fsr-3705	160	29	30	30	NUM
fsr-3705	160	30	years	year	NOUN
fsr-3705	160	31	)	)	PUNCT
fsr-3705	160	32	,	,	PUNCT
fsr-3705	160	33	and	and	CCONJ
fsr-3705	160	34	4,205	4,205	NUM
fsr-3705	160	35	(	(	PUNCT
fsr-3705	160	36	40	40	NUM
fsr-3705	160	37	years	year	NOUN
fsr-3705	160	38	)	)	PUNCT
fsr-3705	160	39	.	.	PUNCT
fsr-3705	161	1	small	small	ADJ
fsr-3705	161	2	stock	stock	NOUN
fsr-3705	161	3	distributions	distribution	NOUN
fsr-3705	161	4	have	have	VERB
fsr-3705	161	5	means	mean	NOUN
fsr-3705	161	6	of	of	ADP
fsr-3705	161	7	239	239	NUM
fsr-3705	161	8	(	(	PUNCT
fsr-3705	161	9	10	10	NUM
fsr-3705	161	10	years	year	NOUN
fsr-3705	161	11	)	)	PUNCT
fsr-3705	161	12	,	,	PUNCT
fsr-3705	161	13	1,086	1,086	NUM
fsr-3705	161	14	(	(	PUNCT
fsr-3705	161	15	20	20	NUM
fsr-3705	161	16	years	year	NOUN
fsr-3705	161	17	)	)	PUNCT
fsr-3705	161	18	,	,	PUNCT
fsr-3705	161	19	4,020	4,020	NUM
fsr-3705	161	20	(	(	PUNCT
fsr-3705	161	21	30	30	NUM
fsr-3705	161	22	years	year	NOUN
fsr-3705	161	23	)	)	PUNCT
fsr-3705	161	24	,	,	PUNCT
fsr-3705	161	25	and	and	CCONJ
fsr-3705	161	26	14,082	14,082	NUM
fsr-3705	161	27	(	(	PUNCT
fsr-3705	161	28	40	40	NUM
fsr-3705	161	29	years	year	NOUN
fsr-3705	161	30	)	)	PUNCT
fsr-3705	161	31	.	.	PUNCT
fsr-3705	162	1	the	the	DET
fsr-3705	162	2	cross	cross	NOUN
fsr-3705	162	3	-	-	NOUN
fsr-3705	162	4	correlation	correlation	NOUN
fsr-3705	162	5	between	between	ADP
fsr-3705	162	6	common	common	ADJ
fsr-3705	162	7	stocks	stock	NOUN
fsr-3705	162	8	and	and	CCONJ
fsr-3705	162	9	treasury	treasury	NOUN
fsr-3705	162	10	bonds	bond	NOUN
fsr-3705	162	11	is	be	AUX
fsr-3705	162	12	0.19	0.19	NUM
fsr-3705	162	13	.	.	PUNCT
fsr-3705	163	1	resulting	result	VERB
fsr-3705	163	2	in	in	ADP
fsr-3705	163	3	distri	distri	NOUN
fsr-3705	163	4	butions	bution	NOUN
fsr-3705	163	5	which	which	PRON
fsr-3705	163	6	are	be	AUX
fsr-3705	163	7	very	very	ADV
fsr-3705	163	8	similar	similar	ADJ
fsr-3705	163	9	to	to	ADP
fsr-3705	163	10	those	those	PRON
fsr-3705	163	11	in	in	ADP
fsr-3705	163	12	table	table	NOUN
fsr-3705	163	13	3	3	NUM
fsr-3705	163	14	.	.	PUNCT
fsr-3705	163	15	samuelson	samuelson	PROPN
fsr-3705	163	16	(	(	PUNCT
fsr-3705	163	17	1990	1990	NUM
fsr-3705	163	18	)	)	PUNCT
fsr-3705	163	19	considers	consider	VERB
fsr-3705	163	20	a	a	DET
fsr-3705	163	21	lump	lump	NOUN
fsr-3705	163	22	-	-	PUNCT
fsr-3705	163	23	sum	sum	NOUN
fsr-3705	163	24	portfolio	portfolio	NOUN
fsr-3705	163	25	without	without	ADP
fsr-3705	163	26	additional	additional	ADJ
fsr-3705	163	27	monthly	monthly	ADJ
fsr-3705	163	28	contributions	contribution	NOUN
fsr-3705	163	29	.	.	PUNCT
fsr-3705	164	1	the	the	DET
fsr-3705	164	2	amounts	amount	NOUN
fsr-3705	164	3	held	hold	VERB
fsr-3705	164	4	in	in	ADP
fsr-3705	164	5	each	each	DET
fsr-3705	164	6	asset	asset	NOUN
fsr-3705	164	7	class	class	NOUN
fsr-3705	164	8	must	must	AUX
fsr-3705	164	9	be	be	AUX
fsr-3705	164	10	rebalanced	rebalance	VERB
fsr-3705	164	11	to	to	PART
fsr-3705	164	12	maintain	maintain	VERB
fsr-3705	164	13	the	the	DET
fsr-3705	164	14	so-50	so-50	ADJ
fsr-3705	164	15	mix	mix	NOUN
fsr-3705	164	16	.	.	PUNCT
fsr-3705	165	1	lower	low	ADJ
fsr-3705	165	2	mortality	mortality	NOUN
fsr-3705	165	3	for	for	ADP
fsr-3705	165	4	women	woman	NOUN
fsr-3705	165	5	produces	produce	VERB
fsr-3705	165	6	lower	low	ADJ
fsr-3705	165	7	monthly	monthly	ADJ
fsr-3705	165	8	annuity	annuity	NOUN
fsr-3705	165	9	amounts	amount	NOUN
fsr-3705	165	10	.	.	PUNCT
fsr-3705	166	1	corporate	corporate	ADJ
fsr-3705	166	2	bonds	bond	NOUN
fsr-3705	166	3	comprise	comprise	VERB
fsr-3705	166	4	over	over	ADP
fsr-3705	166	5	40	40	NUM
fsr-3705	166	6	percent	percent	NOUN
fsr-3705	166	7	of	of	ADP
fsr-3705	166	8	the	the	DET
fsr-3705	166	9	assets	asset	NOUN
fsr-3705	166	10	of	of	ADP
fsr-3705	166	11	u.	u.	PROPN
fsr-3705	166	12	s.	s.	PROPN
fsr-3705	166	13	life	life	PROPN
fsr-3705	166	14	insurance	insurance	NOUN
fsr-3705	166	15	companies	company	NOUN
fsr-3705	166	16	(	(	PUNCT
fsr-3705	166	17	see	see	VERB
fsr-3705	166	18	the	the	DET
fsr-3705	166	19	1990	1990	NUM
fsr-3705	166	20	life	life	NOUN
fsr-3705	166	21	insurance	insurance	NOUN
fsr-3705	166	22	fact	fact	NOUN
fsr-3705	166	23	book	book	NOUN
fsr-3705	166	24	)	)	PUNCT
fsr-3705	166	25	.	.	PUNCT
fsr-3705	167	1	references	reference	NOUN
fsr-3705	167	2	butler	butler	PROPN
fsr-3705	167	3	,	,	PUNCT
fsr-3705	167	4	kirt	kirt	PROPN
fsr-3705	167	5	c.	c.	PROPN
fsr-3705	167	6	and	and	CCONJ
fsr-3705	167	7	dale	dale	PROPN
fsr-3705	167	8	l.	l.	PROPN
fsr-3705	167	9	domian	domian	PROPN
fsr-3705	167	10	.	.	PROPN
fsr-3705	167	11	1991	1991	NUM
fsr-3705	167	12	.	.	PUNCT
fsr-3705	168	1	“	"	PUNCT
fsr-3705	168	2	risk	risk	NOUN
fsr-3705	168	3	,	,	PUNCT
fsr-3705	168	4	diversification	diversification	NOUN
fsr-3705	168	5	,	,	PUNCT
fsr-3705	168	6	and	and	CCONJ
fsr-3705	168	7	the	the	DET
fsr-3705	168	8	investment	investment	NOUN
fsr-3705	168	9	horizon	horizon	NOUN
fsr-3705	168	10	,	,	PUNCT
fsr-3705	168	11	”	"	PUNCT
fsr-3705	168	12	tk	tk	PROPN
fsr-3705	168	13	journal	journal	PROPN
fsr-3705	168	14	of	of	ADP
fsr-3705	168	15	portfolio	portfolio	PROPN
fsr-3705	168	16	management	management	NOUN
fsr-3705	168	17	,	,	PUNCT
fsr-3705	168	18	17(3	17(3	NUM
fsr-3705	168	19	):	):	PUNCT
fsr-3705	168	20	41	41	NUM
fsr-3705	168	21	-	-	SYM
fsr-3705	168	22	117	117	NUM
fsr-3705	168	23	.	.	PUNCT
fsr-3705	168	24	ibbotson	ibbotson	PROPN
fsr-3705	168	25	,	,	PUNCT
fsr-3705	168	26	roger	roger	PROPN
fsr-3705	168	27	g.	g.	PROPN
fsr-3705	168	28	1991	1991	NUM
fsr-3705	168	29	.	.	PUNCT
fsr-3705	169	1	stocks	stock	NOUN
fsr-3705	169	2	,	,	PUNCT
fsr-3705	169	3	bonds	bond	NOUN
fsr-3705	169	4	,	,	PUNCT
fsr-3705	169	5	bills	bill	NOUN
fsr-3705	169	6	and	and	CCONJ
fsr-3705	169	7	injlation	injlation	NOUN
fsr-3705	169	8	:	:	PUNCT
fsr-3705	169	9	1991	1991	NUM
fsr-3705	169	10	yearbook	yearbook	NOUN
fsr-3705	169	11	.	.	PUNCT
fsr-3705	170	1	r.	r.	PROPN
fsr-3705	170	2	g.	g.	PROPN
fsr-3705	170	3	ibbotson	ibbotson	PROPN
fsr-3705	170	4	associates	associates	PROPN
fsr-3705	170	5	.	.	PUNCT
fsr-3705	171	1	leibowitz	leibowitz	PROPN
fsr-3705	171	2	,	,	PUNCT
fsr-3705	171	3	martin	martin	PROPN
fsr-3705	171	4	l.	l.	PROPN
fsr-3705	171	5	and	and	CCONJ
fsr-3705	171	6	terence	terence	PROPN
fsr-3705	171	7	c.	c.	PROPN
fsr-3705	171	8	langetieg	langetieg	PROPN
fsr-3705	171	9	.	.	PUNCT
fsr-3705	172	1	1989	1989	NUM
fsr-3705	172	2	.	.	PUNCT
fsr-3705	173	1	“	"	PUNCT
fsr-3705	173	2	shortfall	shortfall	NOUN
fsr-3705	173	3	risk	risk	NOUN
fsr-3705	173	4	and	and	CCONJ
fsr-3705	173	5	the	the	DET
fsr-3705	173	6	asset	asset	NOUN
fsr-3705	173	7	allocation	allocation	NOUN
fsr-3705	173	8	decision	decision	NOUN
fsr-3705	173	9	:	:	PUNCT
fsr-3705	173	10	a	a	DET
fsr-3705	173	11	simulation	simulation	NOUN
fsr-3705	173	12	analysis	analysis	NOUN
fsr-3705	173	13	of	of	ADP
fsr-3705	173	14	stock	stock	NOUN
fsr-3705	173	15	and	and	CCONJ
fsr-3705	173	16	bond	bond	NOUN
fsr-3705	173	17	risk	risk	NOUN
fsr-3705	173	18	profiles	profile	NOUN
fsr-3705	173	19	,	,	PUNCT
fsr-3705	173	20	”	"	PUNCT
fsr-3705	173	21	the	the	DET
fsr-3705	173	22	journal	journal	NOUN
fsr-3705	173	23	of	of	ADP
fsr-3705	173	24	porrfolio	porrfolio	ADJ
fsr-3705	173	25	management	management	NOUN
fsr-3705	173	26	,	,	PUNCT
fsr-3705	173	27	16(l	16(l	NUM
fsr-3705	173	28	):	):	PUNCT
fsr-3705	173	29	61	61	NUM
fsr-3705	173	30	-	-	SYM
fsr-3705	173	31	68	68	NUM
fsr-3705	173	32	.	.	PUNCT
fsr-3705	173	33	levy	levy	NOUN
fsr-3705	173	34	,	,	PUNCT
fsr-3705	173	35	robert	robert	PROPN
fsr-3705	173	36	a.	a.	PROPN
fsr-3705	173	37	1978	1978	NUM
fsr-3705	173	38	.	.	PUNCT
fsr-3705	174	1	“	"	PUNCT
fsr-3705	174	2	stocks	stock	NOUN
fsr-3705	174	3	,	,	PUNCT
fsr-3705	174	4	bonds	bond	NOUN
fsr-3705	174	5	,	,	PUNCT
fsr-3705	174	6	bills	bill	NOUN
fsr-3705	174	7	,	,	PUNCT
fsr-3705	174	8	and	and	CCONJ
fsr-3705	174	9	inflation	inflation	NOUN
fsr-3705	174	10	over	over	ADP
fsr-3705	174	11	52	52	NUM
fsr-3705	174	12	years	year	NOUN
fsr-3705	174	13	,	,	PUNCT
fsr-3705	174	14	”	"	PUNCT
fsr-3705	174	15	the	the	DET
fsr-3705	174	16	journal	journal	NOUN
fsr-3705	174	17	of	of	ADP
fsr-3705	174	18	portfolio	portfolio	NOUN
fsr-3705	174	19	management	management	NOUN
fsr-3705	174	20	,	,	PUNCT
fsr-3705	174	21	4(4	4(4	NUM
fsr-3705	174	22	):	):	PUNCT
fsr-3705	174	23	18	18	NUM
fsr-3705	174	24	-	-	SYM
fsr-3705	174	25	19	19	NUM
fsr-3705	174	26	.	.	PUNCT
fsr-3705	175	1	mcenally	mcenally	ADV
fsr-3705	175	2	,	,	PUNCT
fsr-3705	175	3	richard	richard	PROPN
fsr-3705	175	4	w.	w.	PROPN
fsr-3705	175	5	1985	1985	NUM
fsr-3705	175	6	.	.	PUNCT
fsr-3705	176	1	“	"	PUNCT
fsr-3705	176	2	time	time	NOUN
fsr-3705	176	3	diversification	diversification	NOUN
fsr-3705	176	4	:	:	PUNCT
fsr-3705	176	5	surest	sure	ADJ
fsr-3705	176	6	route	route	NOUN
fsr-3705	176	7	to	to	ADP
fsr-3705	176	8	lower	low	ADJ
fsr-3705	176	9	risk	risk	NOUN
fsr-3705	176	10	?	?	PUNCT
fsr-3705	176	11	,	,	PUNCT
fsr-3705	176	12	”	"	PUNCT
fsr-3705	176	13	the	the	DET
fsr-3705	176	14	journal	journal	NOUN
fsr-3705	176	15	of	of	ADP
fsr-3705	176	16	portfolio	portfolio	NOUN
fsr-3705	176	17	management	management	NOUN
fsr-3705	176	18	,	,	PUNCT
fsr-3705	176	19	1	1	NUM
fsr-3705	176	20	l(4	l(4	ADJ
fsr-3705	176	21	):	):	PUNCT
fsr-3705	176	22	24	24	NUM
fsr-3705	176	23	-	-	SYM
fsr-3705	176	24	26	26	NUM
fsr-3705	176	25	.	.	PUNCT
fsr-3705	177	1	19w	19w	NOUN
fsr-3705	177	2	life	life	NOUN
fsr-3705	177	3	insurance	insurance	NOUN
fsr-3705	177	4	fact	fact	NOUN
fsr-3705	177	5	book	book	NOUN
fsr-3705	177	6	.	.	PUNCT
fsr-3705	178	1	washington	washington	PROPN
fsr-3705	178	2	,	,	PUNCT
fsr-3705	178	3	d.c	d.c	PROPN
fsr-3705	178	4	.	.	PROPN
fsr-3705	178	5	:	:	PUNCT
fsr-3705	179	1	american	american	PROPN
fsr-3705	179	2	council	council	PROPN
fsr-3705	179	3	of	of	ADP
fsr-3705	179	4	life	life	PROPN
fsr-3705	179	5	insurance	insurance	NOUN
fsr-3705	179	6	.	.	PUNCT
fsr-3705	180	1	reichenstein	reichenstein	PROPN
fsr-3705	180	2	,	,	PUNCT
fsr-3705	180	3	william	william	PROPN
fsr-3705	180	4	.	.	PROPN
fsr-3705	180	5	1986	1986	NUM
fsr-3705	180	6	.	.	PUNCT
fsr-3705	181	1	“	"	PUNCT
fsr-3705	181	2	when	when	SCONJ
fsr-3705	181	3	stock	stock	NOUN
fsr-3705	181	4	is	be	AUX
fsr-3705	181	5	less	less	ADV
fsr-3705	181	6	risky	risky	ADJ
fsr-3705	181	7	than	than	ADP
fsr-3705	181	8	treasury	treasury	NOUN
fsr-3705	181	9	bills	bill	NOUN
fsr-3705	181	10	,	,	PUNCT
fsr-3705	181	11	”	"	PUNCT
fsr-3705	181	12	financial	financial	ADJ
fsr-3705	181	13	analysts	analyst	NOUN
fsr-3705	181	14	journal	journal	NOUN
fsr-3705	181	15	,	,	PUNCT
fsr-3705	181	16	42(6	42(6	NOUN
fsr-3705	181	17	):	):	PUNCT
fsr-3705	181	18	71	71	NUM
fsr-3705	181	19	-	-	SYM
fsr-3705	181	20	75	75	NUM
fsr-3705	181	21	.	.	PUNCT
fsr-3705	182	1	samuelson	samuelson	PROPN
fsr-3705	182	2	,	,	PUNCT
fsr-3705	182	3	paul	paul	PROPN
fsr-3705	182	4	a.	a.	PROPN
fsr-3705	182	5	1990	1990	NUM
fsr-3705	182	6	.	.	PUNCT
fsr-3705	183	1	“	"	PUNCT
fsr-3705	183	2	asset	asset	NOUN
fsr-3705	183	3	allocation	allocation	NOUN
fsr-3705	183	4	could	could	AUX
fsr-3705	183	5	be	be	AUX
fsr-3705	183	6	dangerous	dangerous	ADJ
fsr-3705	183	7	to	to	ADP
fsr-3705	183	8	your	your	PRON
fsr-3705	183	9	health	health	NOUN
fsr-3705	183	10	,	,	PUNCT
fsr-3705	183	11	”	"	PUNCT
fsr-3705	183	12	the	the	DET
fsr-3705	183	13	journal	journal	NOUN
fsr-3705	183	14	of	of	ADP
fsr-3705	183	15	portfolio	portfolio	NOUN
fsr-3705	183	16	management	management	PROPN
fsr-3705	183	17	,	,	PUNCT
fsr-3705	183	18	16(3	16(3	NUM
fsr-3705	183	19	):	):	PUNCT
fsr-3705	183	20	5	5	NUM
fsr-3705	183	21	-	-	SYM
fsr-3705	183	22	8	8	NUM
fsr-3705	183	23	.	.	PUNCT